vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
On XX/XX/year>, at XXXX PM, I contacted a debt collection agency at ( XXXX ) XXXX regarding a {$280.00} debt reported by XXXX XXXX I am actively working on repairing my credit and was calling to understand the debt and explain the issue, which I believe stems from a breach of contract on XXXXXXXX  part. 

The man who answered the phone never gave me his name and became aggressive, dismissive, and verbally demeaning as soon as I began explaining my situation. I told him I had purchased a phone through XXXX and paid monthly for both the device, my phone plan, and a protection plan ( XXXX  or similar ) in case the phone was lost, stolen, or damaged. 

Near the end of my termjust before the phone was paid offmy phone broke. I went into a XXXX  store, where they refused to help me and told me to call customer service. When I called, I was told they couldnt do anything and advised me to file a dispute online. I did that. I also spoke to another rep by phone, who told me they would lower the amount and escalate the situation. 

Eventually, I stopped hearing from XXXX. No one ever resolved the matter, and I was never issued a replacement phone despite paying for protection coverage. Since XXXX failed to uphold their side of the contract, I had no choice but to pay out of pocket for a new phone and switch providers. I believe this debt is unjust and should have been cleared as I was originally told. 

When I tried to calmly explain this context to the debt collector, he raised his voice, repeatedly interrupted me, and made demeaning remarks. He said things like, XXXX whoever you want. I dont care. Pay me my money. Its {$280.00}. He became verbally aggressive, refused to provide additional information, and acted like I was personally failing him by explaining my dispute. 

I asked if I could speak with someone else, someone who might be more understanding, and he brushed me off, essentially mocking me. He made it clear he wasnt going to help or listen. I ended the phone call after about XXXX minutes because I felt disrespected, harassed, and humiliated. 

I am reporting this because this mans behavior was not only unethical, it XXXX also be illegal under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt XXXX from using harassing, abusive, or deceptive conduct. 

I am requesting : An investigation into this incident and the employee involved That all further communication be made in writing only That the debt be re-evaluated and formally disputed given the full context That this interaction be recorded as a potential FDCPA violation Thank you for your time and for helping ensure consumers are treated with fairness and dignity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: SC

Complaint narrative:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within four business days of receipt : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % 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 non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is no corresponding consumer-initiated activity linked to this inquiry. I request removal as it is not a reflection of my financial decisions or consent.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: (Former)Shapiro, Swertfeger & Hasty, LLP
State: MN

Complaint narrative:
I have called, emailed, mailed, ect. I have tried everything to communicate, followed all you needs or demands. AND I GET NO RESPONSE. No return calls, left numerous messages. 
I have sent any/ all paper work you requested. 
I have a lawyer and I am the administrator of my brothers estate. And you still send certified mail in my brothers name. XXXX died in XXXX, which i have sent death certificate to you, XXXX, and XXXX, BUT NO ONE ANSWERS ME! 
I feel this is very predatory, they want the property, the equity, and will not communicate with me!

Company response to consumer: Untimely response
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OZK
State: AR

Complaint narrative:
I have had a banking account, checking and savings account, both opened in my old previous married name with Bank OZK online. I did not open these accounts. I have not went by that last name since I was XXXX. I am currently XXXX years old. This is fraud. I have requested that they close both accounts but want to follow up with ensuring my information is secure, and put a fraud alert out so that no other accounts are opened in my name without my consent. Savings was opened in XXXX, and it looks like checking was opened in XXXX. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX years old

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: GA

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TX

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-13 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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 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 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 2025-06-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
To Whom It May Concern at the CFPB, I am filing a complaint regarding an account being reported on my credit report by COMENITY BANK/VCTRSSEC . 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I do not recognize or own this account. I have never applied for or opened a XXXX XXXXComenity Bank credit card. I believe

this may be an error or a case of identity theft. Under 15 U.S.C. 1692g ( b ), I am formally disputing this account and requesting full validation, including a signed credit application and any documents proving I authorized or used this account.

Until full validation is provided, I am requesting : 1. Immediate removal of this account from all credit reports 2. Cessation of all collection and reporting activity This inaccurate reporting is damaging my credit and violates my rights under the Fair Credit Reporting Act ( FCRA ). I request the CFPBs assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im filing a complaint against Wells Fargo for mishandling a fraud claim on my business checking account. I reported an unauthorized transaction totaling {$1800.00}. Wells Fargo initially credited the funds back, but then reversed the credit with no formal notice.

I contacted their claims department and was told the denial was based on the transaction occurring on a device Ive used before. They considered this sufficient to close the case, despite me stating clearly that I did not authorize the transaction. I requested more information and was told that if I wanted to reopen the case, I would need to provide an IP address to prove it wasnt me, which is completely unreasonable and outside the responsibility of a consumer or business client. 

The supervisor later stated the claim was denied due to not enough evidence of fraud, but no actual documentation or findings were ever shared with me. I have not been provided with : Any investigation results IP address logs Merchant documentation Timestamped activity records Any evidence supporting their denial This level of transparency is unacceptable. The burden of proof is on the bank to show authorization not on me to prove a negative. Device association is not legitimate proof that I authorized this charge, especially on a business account that XXXX involve multiple users or be vulnerable to cyber compromise. 

I am requesting that Wells Fargo : Reopen the claim and escalate it for full review Provide full documentation of their investigation Reinstate the {$1800.00} credit if they can not prove explicit authorization I am a long-standing client who followed all required fraud protocols, and I am being punished for trusting the bank to protect my funds. Please investigate this matter thoroughly and assist in holding the bank accountable.

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 2025-06-13 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-13 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 following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
I am following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

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 2025-06-13 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: AZ

Complaint narrative:
in accorddance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violated my rights 15 u.s.c 1681 section 602 a. states I have the right to privacy.

15 u.s.c 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 non-monetary relief
Consumer complaint received 2025-06-13 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
Im contacting you because there is an account showing up on my credit report that does not belong to me. It appears my information is being inaccurately mixed with someone elses, and this is directly affecting my credit profile.

To be clear : This account is not mine.

I have no association with it.

Yet it is showing up as part of my credit history.

And worse, it's intertwined with my personal credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: NY

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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