vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST PORTFOLIO SERVICING INC
State: VA

Complaint narrative:
I first received a phone call from a woman claiming to be a process server. She explained to me that I owed a debt with a credit card company that I do not think I owe. I then contacted the original creditor and ask them for documentation they only sent me a letter said they investigated it and I owed it. Previously I received a phone call from a man who read out my social security number on my voicemail. In fact it was incorrect and said they were sending a process server to my home to serve me with papers for judgment in XXXX XXXX Court. I contacted the company and the gentleman that answer the phone hung up on me when I wanted to discuss what had been done. I still have the voicemails on my phone and I will be keeping them. At no time was a mini XXXX read to me the debt is from 2018 and is out of the XXXX they used false collection practices.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: TX

Complaint narrative:
In XX/XX/year>, a 90-day delinquency was reported on my federal student loan serviced by Edfinancial. This occurred during a period of significant personal and financial hardship. I lost my job, and at the same time, I was helping my stepmother raise XXXX children while my father was XXXX, supporting my uncle through XXXX XXXX, and caring for my XXXX  grandmother after my grandfather passed away. These overwhelming responsibilities caused me to fall behind and miss the opportunity to request forbearance in time. 

Once I regained some stability and found a lower-paying job, I contacted Edfinancial and was approved for a 12-month forbearance. My account is now in good standing and no longer accumulating new delinquencies. This was my first major delinquency, and I acted quickly to correct the situation as soon as I could.

Im respectfully requesting that the 90-day delinquency be removed from my credit report as a one-time compassionate adjustment. The reporting, while technically accurate, does not reflect my long-term payment behavior or the effort Ive made to stay in good standing under extreme circumstances.

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Synovus Bank
State: AL

Complaint narrative:
XXXX closed my trust account .i have secured interest. They refunded XXXX dollars, they owe me a lot more than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to report an unresolved issue with my XXXX account, which is linked to my Wells Fargo checking account. On XX/XX/XXXX, I received a {$35.00} XXXX payment from XXXX XXXX, who later mistakenly reported the transaction as fraud. This led to my XXXX account being blocked. 

Since then, I have made multiple attempts to resolve the matter. I have called Wells Fargo several times and visited their branches, but they keep telling me that XXXX the sender holds her accountmust contact XXXX to initiate the unblocking process. 

On XX/XX/XXXX, I went in person to a XXXX XXXX  branch along with XXXX 's mother, who is also listed on the account, to try to resolve the situation. This visit took hours away from my work and required me to travel a long distance. Unfortunately, XXXX representatives said that the block had already been processed and there was nothing else they could do. 

I also contacted XXXX XXXX at XXXX ( XXXX ) via email on XX/XX/XXXX, and followed up again on XX/XX/XXXX, but I have not received any response. Additionally, I have text messages from XXXX in which she mentions calling XXXX and being told the block had already been lifted on their end. 

I provided Wells Fargo with the case number ( XXXX ) and all relevant information, including the senders phone number, but despite my repeated efforts, no action has been taken. As a result, I have been unable to send or receive any XXXX payments for several months, which has negatively impacted me both personally and professionally. 

This delay, lack of communication, and refusal to act from both banks is unacceptable. I am respectfully requesting your help in holding these institutions accountable and assisting with unblocking my XXXX access.

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 2025-05-15 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: TX

Complaint narrative:
Given I did not create these against the law accounts and was uninformed of their existence, kindly remove them from my credit report. I anticipate having them removed within 15 days in accordance with USC 1681g. Please refer to the supporting materials provided.

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 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Account I C System ( Original Creditor : XXXX XXXX # XXXX ) I'm unaware of this debt and did not have the opportunity to disput this account. If you believe you sent proper notification, please provide with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my credit report or I will have to take legal action.

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 2025-05-15 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: MO

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1.ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXXXXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN An has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank

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 2025-05-15 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Was in a lawsuit with XXXX XXXX  ad we agreed that nothing would be reported on my credit report and my data would be erased. But when went to a XXXX dealership they told me I had a repo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Greetings this is XXXX XXXX and I am a formal consumer there I have I banked with fifth Third in the XXXX XXXX XXXX I had made a complaint in reference to the XXXX XXXX branch against the branch XXXX and how she handled things I was not properly informed about my account being closed down because they assume that it was fraud and kept on saying that it was activities on my account. which my annuity was connected to my account and there were large deposits that came into my account. 
no proper information was taken in consideration I had already alerted the branch XXXX which was XXXX XXXX and she was aware and she really had a mishandled and was negligence and providing service to me and so basically I am following up on that complaint also there was a complaint against the XXXX XXXX XXXX XXXX XXXX XXXX branch and I think the person that was involved with XXXX I did make a XXXX and it was another person that was involved so I made a complaint against that Branch as well so I am following up with those complaints because everything was done unjustly and I want to know the outcome and what's being done against these individuals I did make a visit on yesterday to the XXXX XXXX XXXX XXXX and so those XXXX individuals are not there for whatever reason I was given some type of reason as that to why they move or they were in training or what have you however it still doesn't make it right for how I was mishandled and devalued as a customer and so basically I am wanting Justice in this and as well as why my complaints and why have not heard anything from anybody from the corporate office regard the last that I heard was that the complaint was being in transit so I was not provided a copy of the the complaint number XXXX and then number XXXX I've asked for a phone records or phone recording from the letter part of XXXX pacifically the second or third week on to XXXX XXXX XXXX XXXX XXXX so I'm waiting for that I did try to request that I was informed that I was supposed to go to the branch to make that request I mean it's just you know back and forth back and forth but I am wanting the phone records to to those requests Phone recordings. 
So if some body can reach out to me very well via email or either phone that would be greatly appreciated. 

My phone number is XXXX is my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
I am a victim of identity theft, and I believe my personal information was compromised due to the Equifax data breach, for which I have a confirmation email directly from Equifax acknowledging I was affected. 
I have submitted a formal FTC Identity Theft Report, government-issued ID, and proof of address all of which confirm my identity and that I did not open the following accounts. Despite providing this documentation, Equifax continues to report these fraudulent accounts, which is in direct violation of FCRA Section XXXX. 
Fraudulent accounts on my Equifax report : XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX & XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX I am requesting that the Consumer Financial Protection Bureau ( CFPB ) step in and ensure Equifax complies with federal law. 
Under FCRA XXXX, once a valid identity theft report is submitted, the credit bureau must block the fraudulent information within XXXX business days. I have met every requirement and yet Equifax has failed to take action. 
Please ensure these accounts are permanently deleted from my Equifax credit file and that I am provided written confirmation once my report is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I did not open these accounts, and they appeared to be fraudulent. I implore you to thoroughly examine them and take them off of my credit report. Attached are pertinent supporting materials.

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 2025-05-15 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: AZ

Complaint narrative:
This late payment record is inaccurate and does not represent my consistent payment behavior. I have maintained timely payments, and I request its removal to ensure my account reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I sent letters dated XXXX XXXX, 2025, to XXXX, demanding the immediate removal of two fraudulent accounts. Account Balance {$3300.00} ; Account Balance {$6800.00} which is being reported by XXXX XXXX. I requested validation with a list of demands. I have no knowledge of these debts, XXXX failure respond to my CFPB complaints ( # XXXX, # XXXX, # XXXX ) submitted on XXXX XXXX, 2025 which remain Open Sent to Company, within the CFPB 15-day response deadline expiring XXXX XXXX, 2025. 

The 30 days for XXXX to respond has now past the date of delivery of letters [ XXXX XXXX, 2025-XXXX XXXX  2025 ], with no reply. A requirement by the Fair Debt Collection Practices Act. Set a strong stands for immediate deletation. As supported by attachments, listed below here. 

-Certified mail receipts -FTC affidavit XXXX dispute letters

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
I sent letters dated XXXX XXXX, 2025, to XXXX, demanding the immediate removal of two fraudulent accounts. Account Balance {$3300.00} ; Account Balance {$6800.00} which is being reported by XXXX XXXX. I requested validation with a list of demands. I have no knowledge of these debts, XXXX failure respond to my CFPB complaints ( # XXXX, # XXXX, # XXXX ) submitted on XXXX XXXX, 2025 which remain Open Sent to Company, within the CFPB 15-day response deadline expiring XXXX XXXX, 2025. 

The 30 days for XXXX to respond has now past the date of delivery of letters [ XXXX XXXX, 2025-XXXX XXXX  2025 ], with no reply. A requirement by the Fair Debt Collection Practices Act. Set a strong stands for immediate deletation. As supported by attachments, listed below here. 

-Certified mail receipts -FTC affidavit XXXX dispute letters

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 2025-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
In XXXX of XXXX, I cancelled WiFi service from XXXX, which was not and never worked properly. I requested a refund for the last XXXX months prior to cancellation, for failure to provide service. I spoke with numerous reps at XXXX both on the phone and at a local store. They finally confirmed my cancellation in XXXX, apologized for the failure of service and sent me documents to return the equipment. I returned the equipment and they sent confirmation of the return and that the account had a XXXX balance. 

I received a collections call this week, XX/XX/XXXX, from an individual pretending to be an attorney. I verified my identity and told him the debt he was calling about was not valid and I offered to send written proof in response to his sending to me written proof of an outstanding debt. He never sent any written correspondence or proof of a debt and in violation of fcra, he posted a derogatory report to the credit reporting agencies, negatively impacting my credit. 

I wish for you to investigate and pursue full recourse under fcra, the following firm for their violation of these critical consumer protections. 

Amsher collection services XXXX I wish for them to remove the false, derogatory information and to be fined XXXX for each violation of fcra. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: IL

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 Equifax 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 response to consumer: Closed with explanation