vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Unauthorized Inquiries to Be Deleted : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NRA Group, LLC
State: MA

Complaint narrative:
On XX/XX/year> national recovery emailed my mom regarding my debt. It included all my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity Bank / Bread Rewards ( Account # XXXX ) Reports different balances ( {$1400.00} vs {$1300.00} ). 

High Balance {$0.00} but shows usage over 100 %. 

Multiple lates shown inconsistently across reports. 

Violations : FCRA 1681e ( b ) : Failure to assure maximum possible accuracy.

FDCPA 807 ( 2 ) ( A ) : False representation of amount owed.

Count : 2 violations total would be XXXX  $

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: VA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: VA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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

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 2025-09-18 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: FL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, I.C Collections, 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 the following fraudulent account : I.C System XX/XX/year>. This account has resulted in a collections account appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question, a police report, as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, 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 police report, as well as 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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive identified collection accounts on my credit report that I believe include incorrect information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I request that these accounts be reviewed, and if they can not be confirmed as accurate, they 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$200.00}

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
my bag was stolen while I was XXXX XXXX XXXX XXXXXXXX XXXX. I had set my bag down near the field, and when I went back to get it, it was gone. Inside the bag were my personal belongings, including my wallet and my Wells Fargo debit card. 

Shortly after, I noticed unauthorized charges on my Wells Fargo account. I did not make these transactions, nor did I give anyone permission to use my card. The card was stolen along with my bag. 

I reported the theft to Wells Fargo immediately, and I also filed a police report documenting the incident ( Report # [ XXXX ] ). Despite this, Wells Fargo denied my claim. This decision is unfair and incorrect, as the transactions were clearly unauthorized and occurred after my card was stolen. 

I am requesting the CFPBs assistance to have Wells Fargo properly investigate and reimburse me for the fraudulent charges in accordance with Regulation E protections.

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 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Gave verbal cease & desist for all phone numbers in the file on XX/XX/XXXX. Calls have continued to both my and my spouses phone numbers. They even left a message with my neighbor!! These are the calls that I documented after the request to stop..... XX/XX/XXXX XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX & XXXX and XX/XX/XXXX @ XXXX. I have filed complaints regarding this XXXX loan for unfair and false sales practices and have no intention of continuing payments. I have not been able to locate the original company that sold the solar panels to us. All letters have been returned as incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/XXXX, XXXX charges were made to my Pay Pal debit card, in the amounts of {$350.00} and {$490.00}, and then on XX/XX/year> an additional charge was made to my debit by the same company, XXXX, in the amount of {$990.00}. I immediately disputed the charges with Pay Pal fraud. They said I had to wait until the charges cleared to start a dispute. The charges were cleared the next day, and I called to initiate a fraud dispute. I am not familiar with this company and have received no products or services from them. Pay Pal denied the dispute, but gave no reason. I called and reopened the claims. The women said they would request proof of service or product. They made me wait 16 days and denied the dispute again. The only reason given on the {$350.00} charge was for a cancelled subscription. I never subscribed, purchased or received anything from XXXX. They have no # to call them at, nor addrees to contact. 
They stole my money. I am XXXX XXXX XXXX, had to borrow money to buy groceries due to this. Pay Pal continues to give me a run around and not support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XX/XX/XXXXXXXX DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting XX/XX/XXXX Request for Deletion To Whom It May Concern, I am submitting this complaint against the credit reporting agencies for inaccurately reporting an account from XXXX. 

Account Details ( as reported ) : Creditor : XX/XX/XXXX Account Type : Installment Sales Contract Responsibility : Individual Payment History : Only 5 % of payments reflected as on time ; multiple months listed as Warning, Late, Unknown, and Derogatory. 

Last Payment Date : XX/XX/XXXX Current Status : Charge-off / Profit & Loss Write-Off Closed Date : XX/XX/XXXX Worst Status : 90119 Days Late This reporting is inaccurate, misleading, and in violation of federal law : 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. Listing months as Warning, Unknown, or duplicating derogatory remarks like Profit and loss write-off is vague, incomplete, and not maximally accurate.

15 U.S.C. 1681c ( a ) ( 4 ) Prohibits reporting accounts placed for collection or charged off that are older than 7 years plus 180 days from the Date of First Delinquency ( DOFD ). This account reflects continuous derogatory history without clearly furnishing a proper XXXX, which is required under XXXX XXXX standards. 

Metro 2 Guidelines Furnishers must provide accurate and complete data, including the DOFD and correct payment history codes. Reporting Warning and Unknown instead of valid compliance codes is not in line with Metro 2 standards. 

Because this account is being reported with inaccurate and unverifiable data, I am demanding the immediate deletion of this tradeline from all of my credit reports unless the credit reporting agencies and XX/XX/XXXX can provide complete, verifiable documentation proving compliance with Metro 2 , 15 U.S.C. 1681e ( b ), and 1681c ( a ) ( 4 ). 

I request that the CFPB investigate this matter, require the CRA and XXXX to comply with the law, and ensure the removal of this account if it can not be validated according to federal standards. 

Thank you for your assistance in protecting my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XX/XX/XXXXXXXX DC XXXX Subject : Complaint Regarding Inaccurate Credit Reporting XX/XX/XXXX Request for Deletion To Whom It May Concern, I am submitting this complaint against the credit reporting agencies for inaccurately reporting an account from XXXX. 

Account Details ( as reported ) : Creditor : XX/XX/XXXX Account Type : Installment Sales Contract Responsibility : Individual Payment History : Only 5 % of payments reflected as on time ; multiple months listed as Warning, Late, Unknown, and Derogatory. 

Last Payment Date : XX/XX/XXXX Current Status : Charge-off / Profit & Loss Write-Off Closed Date : XX/XX/XXXX Worst Status : 90119 Days Late This reporting is inaccurate, misleading, and in violation of federal law : 15 U.S.C. 1681e ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. Listing months as Warning, Unknown, or duplicating derogatory remarks like Profit and loss write-off is vague, incomplete, and not maximally accurate.

15 U.S.C. 1681c ( a ) ( 4 ) Prohibits reporting accounts placed for collection or charged off that are older than 7 years plus 180 days from the Date of First Delinquency ( DOFD ). This account reflects continuous derogatory history without clearly furnishing a proper XXXX, which is required under XXXX XXXX standards. 

Metro 2 Guidelines Furnishers must provide accurate and complete data, including the DOFD and correct payment history codes. Reporting Warning and Unknown instead of valid compliance codes is not in line with Metro 2 standards. 

Because this account is being reported with inaccurate and unverifiable data, I am demanding the immediate deletion of this tradeline from all of my credit reports unless the credit reporting agencies and XX/XX/XXXX can provide complete, verifiable documentation proving compliance with Metro 2 , 15 U.S.C. 1681e ( b ), and 1681c ( a ) ( 4 ). 

I request that the CFPB investigate this matter, require the CRA and XXXX to comply with the law, and ensure the removal of this account if it can not be validated according to federal standards. 

Thank you for your assistance in protecting my consumer rights. 

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