vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: SC

Complaint narrative:
Im being contacted by a debt collector calling themselves First Source Advantage, LLC. They say I owe a debt to XXXX- a service I did use previously so it felt like it was possible. When I called to resolve the debt, I went through several prompts with an associate that felt legitimate. I paid a portion of the debt but wanted to dispute the late fee of {$30.00}. They transferred me to a department manager who proceeded to ask for my bank account number, routing number, drivers license number, and SSN. I gave them NONE of this information and they were very rude and hung up on me. I immediately called XXXX who informed me that I have no unresolved debts with them and that this is a known scam. I called my bank, changed my debit card number, and reported it as fraud on my account. But they wont leave me alone!! I can provide emails, paper letters, and phone numbers. They are posing as very legitimate and if they hadnt asked me for all of the secure information above, I would still believe it was real. Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/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 2025-06-19 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-19 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

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 of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-19 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: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding an extremely distressing and unprofessional interaction I had with a representative from AMSHER Consumer on Thursday, XX/XX/2025, during a phone call that began at approximately XXXX XXXX  and lasted 19 minutes. 

The call initially began with a female representative who answered a few of my questions. I repeatedly asked for a detailed breakdown of the final bill, as the charges appeared inaccurate specifically, I was being charged for XXXX, during which I did not have service. The representative stated she could not provide the information I needed and transferred me to her supervisor, XXXX. 

Upon speaking with XXXX, I again explained that I did not believe the bill was accurate and requested a detailed breakdown. He immediately became dismissive, telling me that he did not have to provide that information. When I asked if he could tell me when the debt would be reported to my credit so I could understand how much time I had to resolve the discrepancy he responded with a mocking and hostile tone. He said : I know exactly when its going to hit your credit. Why would I tell you that? I dont have to tell you. 

Throughout the call, he repeatedly spoke over me, refused to answer simple questions, and made me feel belittled and humiliated. At one point, when I explained I couldnt pay the full amount, he said it looked like I had available credit as of XX/XX/XXXX implying he had access to or was speculating on my financial accounts and dismissed my statement that I am currently unemployed, saying, Thats not my problem. 

I also inquired about a potential settlement, and XXXX stated they could reduce the amount by only {$50.00}. When I hesitated, he warned me that if I declined the offer, he would make a note that I refused and that the offer wouldnt be extended again which felt like undue pressure. He continued to mock me when I asked one last time about the timeline for credit reporting. After being spoken to with such disdain and hostility, I ended the call in tears. 

This interaction was not only emotionally upsetting but also felt coercive and unprofessional. I believe Dougs conduct may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits harassment, abuse, and deceptive practices by debt collectors. 

I request that this call be reviewed, and that appropriate corrective action be taken. No one seeking information about their own debt should be treated in such a degrading manner. 

I believe the total debt amount was around XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

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 2025-06-19 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: TX

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
I am unable to access any of my information and documents from Money Network due to not being able to access my accounts online or the mobile app. I have contacted them about this and they haven't reached back out to me. They told me they would contact me within XXXX hours and have yet to do so. I believe this is being done on purpose. I receive my paycheck on this card as well. Regardless of what i receive, it is illegal to stop me from accessing my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Since XXXX, I have been trying to work with Equifax to access my account. They can not figure it out. They have shared that " someone must be using my email '' or that my account is active, but they can't figure out how to reset the password and it is always " elevated '' to tech support. That case id is XXXX Filed XX/XX/year>. Nothing ever happens with it. 

I finally asked them to close my account since they couldn't figure out. That was filed on XXXX and is case id XXXX and I was told that would take XXXX business days for it to be complete and it was no problem. Today I called ( XXXX business days later ) and they shared that it's still in process. The person refused to elevate me to a supervisor. 

I just want Equifax away from my data. I want my account closed and I want confirmation that it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I previously submitted complaint # XXXX regarding this issue. It was never routed to the company due to an alleged verification delay. This is a known national credit issuer. I am refiling under XXXX XXXX, XXXX. as advised. 
I paid a charged-off from XXXX ( XXXX XXXX  XXXX account in full on XX/XX/year> for {$260.00}. I called XXXX directly, was transferred to their a payment department that handles there debt, and completed the payment. I was told I would receive a Paid-in-Full email that day withing 24hours. I follow up called XXXX directly that Saturday XX/XX/XXXX due to not receiving the email confirmation as told. As of XX/XX/year>, I still had not received any confirmation. I followed up by phone XXXX more times on XX/XX/XXXX and was told I would receive confirmation within XXXX business days of the payment ( XX/XX/XXXX, but was told it process that XXXX  ). And told it should be coming. that day XX/XX/year> or the following day XX/XX/year>. I have still not received email or mail confirmation it is now XX/XX/year>. I also attempted to contact them via email at two email addresses, both bounced or were blocked. I am requesting that XXXX XXXX  provide written documentation confirming my account has been paid in full and reflects a {$0.00} balance. I am also concerned about the risk of inaccurate reporting if this is not confirmed properly, as the payment was made prior to the reporting date.

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 2025-06-19 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: MD

Complaint narrative:
I previously submitted complaint # XXXX regarding this issue. It was never routed to the company due to an alleged verification delay. This is a known national credit issuer. I am refiling under XXXX XXXX, XXXX. as advised. 
I paid a charged-off from XXXX ( XXXX XXXX  XXXX account in full on XX/XX/year> for {$260.00}. I called XXXX directly, was transferred to their a payment department that handles there debt, and completed the payment. I was told I would receive a Paid-in-Full email that day withing XXXX. I follow up called XXXX directly that Saturday XX/XX/XXXX due to not receiving the email confirmation as told. As of XX/XX/year>, I still had not received any confirmation. I followed up by phone two more times on XX/XX/XXXX and was told I would receive confirmation within XXXX business days of the payment ( XX/XX/XXXX, but was told it process that Monday ). And told it should be coming. that day XX/XX/year> or the following day XX/XX/year>. I have still not received email or mail confirmation it is now XX/XX/year>. I also attempted to contact them via email at two email addresses, both bounced or were blocked. I am requesting that XXXX XXXX  provide written documentation confirming my account has been paid in full and reflects a {$0.00} balance. I am also concerned about the risk of inaccurate reporting if this is not confirmed properly, as the payment was made prior to the reporting date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MD

Complaint narrative:
I previously submitted complaint # XXXX regarding this issue. It was never routed to the company due to an alleged verification delay. This is a known national credit issuer. I am refiling under XXXX XXXX, XXXX. as advised. 
I paid a charged-off from XXXX ( XXXX XXXX  XXXX account in full on XX/XX/year> for {$260.00}. I called XXXX directly, was transferred to their a payment department that handles there debt, and completed the payment. I was told I would receive a Paid-in-Full email that day withing XXXX. I follow up called XXXX directly that Saturday XX/XX/XXXX due to not receiving the email confirmation as told. As of XX/XX/year>, I still had not received any confirmation. I followed up by phone two more times on XX/XX/XXXX and was told I would receive confirmation within XXXX business days of the payment ( XX/XX/XXXX, but was told it process that XXXX  ). And told it should be coming. that day XX/XX/year> or the following day XX/XX/year>. I have still not received email or mail confirmation it is now XX/XX/year>. I also attempted to contact them via email at two email addresses, both bounced or were blocked. I am requesting that XXXX XXXX provide written documentation confirming my account has been paid in full and reflects a {$0.00} balance. I am also concerned about the risk of inaccurate reporting if this is not confirmed properly, as the payment was made prior to the reporting date.

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 2025-06-19 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: IN

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX High XXXX XXXX, XXXX XXXX XXXX, VA XXXX Re : Account No. XXXXXXXX XXXX XXXX XXXX XXXX ChargeOff & Request for 1099C XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX I recently reviewed my credit report and noticed that the referenced account was charged off as of XX/XX/year> and is currently reporting a balance. I request that you : Provide a copy of the IRS Form 1099C ( Cancellation of Debt ) if one was issued for this account.

The information requested within 30 days of this letter sent to the compnay named aboved. The information reporting to the credit report is inaccurate and the company is commiting fraud. According to 15 USC 1692 c, you have violated by lawful commincuations, please remove this off my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief