vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
Dear Ability Recovery Services I recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together. 
Please attach copies of the following documents : Agree that you have the authority to collect this alleged debt Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

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 explanation
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date 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 2025-06-05 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: MD

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, MD XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section XXXXB of the FCRA ( XXXX U.S.C. XXXXc-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$33000.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$38000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am writing to file a formal complaint regarding the insufficient and negligent investigation conducted by XXXX XXXX into the fraudulent credit card account opened in my name. 

The documentation provided by your investigation shows a credit card application submitted on XX/XX/XXXX using a XXXX  address. At that time, I was residing at XXXX XXXX XXXX, XXXX # XXXX, XXXX, XXXX XXXXXXXX XXXX with a valid lease agreement in my name at that address. The application clearly reflects information inconsistent with my identity and residence. 

Additionally, the application lists a Balance Transfer Account ending in XXXX, which I do not recognize and have never owned. I formally request full details regarding the owner of this account. 

The credit card statements show multiple purchases across XXXX XXXX and XXXX XXXX, XXXX. All of these transactions occurred while I was a resident of XXXX. 

The documentation also includes a Phone Payment listed as XXXX on page 2. Please identify the company that received this payment, as I have no knowledge of this transaction. 

Furthermore, the application you approved lacked critical identity verification details, including : -No drivers license number -No applicant email address -No deposit account number The only legitimate account I have ever held with XXXX XXXX was a checking account opened in XXXX. This is the only account I could access via the XXXX XXXX mobile app. If other accounts existed under my name, I would expect to see them there I did not, and was unaware of this fraudulent account until reviewing my credit report. 

XXXX XXXX approved this application without properly verifying my identity or residency, and the investigation that followed failed to address multiple red flags and inconsistencies. Statements continued to be mailed to an unverified XXXX  address, without any confirmation that it was linked to me. 

My first written request for investigation was submitted several months ago, and I have yet to receive a complete or sufficient response. At this time, I am prepared to pursue further legal action if this matter is not immediately and properly resolved. 

Negligence occurred both in the approval process and in the subsequent investigation. I am requesting a thorough re-investigation, full disclosure of account holders connected to the fraudulent activity, and removal of this account from my name. Under federal law, I am entitled to all documentation used in your investigation. Continued failure to provide such documentation may be considered obstruction and negligence.

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 2025-06-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the insufficient and negligent investigation conducted by Wells Fargo into the fraudulent credit card account opened in my name. 

The documentation provided by your investigation shows a credit card application submitted on XX/XX/XXXX using a XXXX  address. At that time, I was residing at XXXX XXXX XXXX, XXXX # XXXX, XXXX, XXXX  XXXX XXXX with a valid lease agreement in my name at that address. The application clearly reflects information inconsistent with my identity and residence. 

Additionally, the application lists a Balance Transfer Account ending in XXXX, which I do not recognize and have never owned. I formally request full details regarding the owner of this account. 

The credit card statements show multiple purchases across XXXX XXXX and XXXX XXXX, XXXX. All of these transactions occurred while I was a resident of Texas. 

The documentation also includes a Phone Payment listed as XXXX on page 2. Please identify the company that received this payment, as I have no knowledge of this transaction. 

Furthermore, the application you approved lacked critical identity verification details, including : -No drivers license number -No applicant email address -No deposit account number The only legitimate account I have ever held with Wells Fargo was a checking account opened in XXXX. This is the only account I could access via the Wells Fargo mobile app. If other accounts existed under my name, I would expect to see them there I did not, and was unaware of this fraudulent account until reviewing my credit report. 

Wells Fargo approved this application without properly verifying my identity or residency, and the investigation that followed failed to address multiple red flags and inconsistencies. Statements continued to be mailed to an unverified XXXX  address, without any confirmation that it was linked to me. 

My first written request for investigation was submitted several months ago, and I have yet to receive a complete or sufficient response. At this time, I am prepared to pursue further legal action if this matter is not immediately and properly resolved. 

Negligence occurred both in the approval process and in the subsequent investigation. I am requesting a thorough re-investigation, full disclosure of account holders connected to the fraudulent activity, and removal of this account from my name. Under federal law, I am entitled to all documentation used in your investigation. Continued failure to provide such documentation may be considered obstruction and negligence.

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 2025-06-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding the insufficient and negligent investigation conducted by XXXX XXXX into the fraudulent credit card account opened in my name. 

The documentation provided by your investigation shows a credit card application submitted on XX/XX/XXXX using a XXXX  address. At that time, I was residing at XXXX XXXX XXXX, XXXX # XXXX, XXXX, XXXX  XXXX XXXX with a valid lease agreement in my name at that address. The application clearly reflects information inconsistent with my identity and residence. 

Additionally, the application lists a Balance Transfer Account ending in XXXX, which I do not recognize and have never owned. I formally request full details regarding the owner of this account. 

The credit card statements show multiple purchases across XXXX XXXX and XXXX XXXX, XXXX. All of these transactions occurred while I was a resident of Texas. 

The documentation also includes a Phone Payment listed as XXXX on page 2. Please identify the company that received this payment, as I have no knowledge of this transaction. 

Furthermore, the application you approved lacked critical identity verification details, including : -No drivers license number -No applicant email address -No deposit account number The only legitimate account I have ever held with XXXX XXXX was a checking account opened in XXXX. This is the only account I could access via the XXXX XXXX mobile app. If other accounts existed under my name, I would expect to see them there I did not, and was unaware of this fraudulent account until reviewing my credit report. 

XXXX XXXX approved this application without properly verifying my identity or residency, and the investigation that followed failed to address multiple red flags and inconsistencies. Statements continued to be mailed to an unverified XXXX  address, without any confirmation that it was linked to me. 

My first written request for investigation was submitted several months ago, and I have yet to receive a complete or sufficient response. At this time, I am prepared to pursue further legal action if this matter is not immediately and properly resolved. 

Negligence occurred both in the approval process and in the subsequent investigation. I am requesting a thorough re-investigation, full disclosure of account holders connected to the fraudulent activity, and removal of this account from my name. Under federal law, I am entitled to all documentation used in your investigation. Continued failure to provide such documentation may be considered obstruction and negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-06-05 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: MO

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Firstsource Business Process Services, LLC
State: MS

Complaint narrative:
Am receiving very frequent repeated calls from a debt collector with no response when answering or no messages left on the answering machine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
on XX/XX/year>, Comenity bank withdrew {$530.00} from my account. Here it is 6 days later, they said that they didn't take any money because my account has insufficient funds. I had XXXX in that account, and XXXX in another account. I tried using both payments to begin with, and they kept telling me the same thing. Which I knew to not be true. I went online and paid the money instead, and it took it almost immediately. I called and they said I still had a past due balance, and that my money was returned to me. It has not been. I have a copy of my bank statement from the end of XXXX, where it indeed was taken from my account. The customer service is literally atrocious. I would like my account to be refunded or it applied to my XXXX 's credit card. I have not received any help from them whatsoever. All they keep telling me is that my payment wasn't received and the money should return to my account. If that was the case, why wasn't the payment applied to my credit card balance instead of returned. Ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
I am writing to formally demand the removal of negative items from my credit report due to XXXX failure to properly investigate my disputes in compliance with the Fair Credit Reporting Act ( FCRA ). 
I have submitted multiple requests, with my most recent submission being on XX/XX/year>. In this request, along with several others, I asked Equifax to manually verify certain disputed credit information. However, despite my explicit instruction, Equifax utilized the automated E-Oscar verification system, which does not provide thorough validation and often results in inaccurate dispute resolutions. 
Furthermore, Equifax failed to provide any supporting documentation proving how the disputed information was verified, violating my rights under the FCRA 611 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies to conduct a reasonable reinvestigation upon request. Since Equifax did not fulfill its legal obligation, the following negative items should be immediately removed from my credit file : The accounts in question are : XXXXXXXX XXXX XXXX Account XXXX XXXX ) Late 90 Days status. 
XXXX XXXXXXXX ( Account XXXX XXXXXXXX ) Collection/Chargeoff status. 
XXXX XXXX Account XXXX XXXXXXXX ) Charged off as bad debt and Transferred to another lender. 
Under FCRA guidelines, if a consumer reporting agency can not verify disputed information properly, the disputed items must be deleted from the credit report. Therefore, I request that Equifax : 1. Remove all negative items that were improperly verified.

2. Provide written confirmation of these deletions.

3. Ensure accurate credit reporting practices moving forward. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-05 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief