vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns.

I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law.

This is your final opportunity to comply before further action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: FL

Complaint narrative:
tried to withdraw funds on the card and my bank said they could not do it.Tried the card at my banks atm it accepted the card and my pin but no funds available.tried numerouse attemts to get help and not live person to talk too.call all the numbers and just get put on hold.contacted XXXX XXXX and no help this is really frustrating and i think these people steal unemployment money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 explanation
Consumer complaint received 2025-09-05 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 2025-09-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: PA

Complaint narrative:
This debt was violated with current data breach of XXXX XXXX and the disbandment of the department of education. Attempts to collect this violates my initial contract and agreement. No notification was provided that my personal information was shared with an unauthorized party. I did not consent to the a change of contract or the distribution of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX 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 2025-09-05 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: CA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$120.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am writing in response to a collection notice I received from Source Receivables Management regarding account number XXXX. I dispute this debt in its entirety, as I do not recognize this account and do not believe it belongs to me. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request verification of the debt. I am requesting that your company provide full validation, including but not limited to : The name and address of the original creditor. 

Documentation bearing my signature showing I am legally responsible for this debt. 

A complete payment history and explanation of how the amount alleged was calculated. 

Until such verification is provided, you must cease all collection activity on this account, including reporting it to any credit bureau. If this debt can not be validated, I request that you immediately remove this account from your records and notify any credit reporting agencies to which it was reported. 

Please note that any failure to comply with the FDCPA may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

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 FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 non-monetary relief
Consumer complaint received 2025-09-05 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: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I was President of my union in XXXX and upon recommendation from the union lawyer, opened up XXXX & XXXX cellphone lines for union officers. XXXX & XXXX took my social security number as the union was a not for profit business. I stepped down from the president 's role in XXXX and handed over all finances to the incoming president, including these phone lines and the physical phone which was in my possession as president. All financial accounts were to be changed to the new leadership. 

A few weeks ago I noticed a XXXX point drop in my credit score and pulled my credit report from the three agencies. There was a collection item from Sunrise Credit Services XXXX  for {$560.00}, date opened XXXX with original creditor XXXX XXXX XXXX. I disputed this with all three agencies telling them it belonged to the union and not me. I also called and emailed the union to resolve this. 

The union said they will look into this but the issue is still unresolved with no reply to my follow-up emails. The three Credit agencies denied my dispute claiming this collection item is accurate. 

In all of this I have not received even one bit of communication from Sunrise Credit Services XXXX. It seems like they just went ahead and damaged my credit after receiving this collection item in XX/XX/XXXX or later. 

Please help restore my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Wells Fargo Bank regarding funds that remain withheld from me. My Wells Fargo account was closed over two years ago, yet despite repeated follow-ups and the submission of all requested documents, the bank has failed to release the remaining balance in my account. 

I have contacted Wells Fargo multiple times and complied with their requirements, but to this day I have not received my refund. The prolonged delay and refusal to return my funds have caused unnecessary frustration and financial inconvenience. 

I am requesting the CFPBs assistance in holding Wells Fargo accountable and ensuring that the balance owed to me is promptly released. 

Thank you for your attention to this matter Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Omnipoint Capital
State: TX

Complaint narrative:
On XX/XX/year>. @ XXXX XXXX I missed a call from what says Omnipoint ( XXXX ). A voicemail was left by someone I believe said, XXXX XXXX to call ( XXXX ). A few minutes later my spouse tells me he had received a callXXXX. from someone asking for XXXX XXXX and do he know me. The person was very loud and aggressive on whether he knew of me. My spouse then asked not to be contacted and hung up. The number displayed was ( XXXX ) XXXX XXXX XXXX XXXX. I proceeded to XXXX  the number due to my confusion on why a garage door company would call his number for me being aggressive. It indeed says XXXX XXXX XXXX  ( see attachments ). With everything not making sense to me I called the number. A male answered and I proceeded to ask who am I speaking with and got this number from my spouse asking about me. The representative asked, if it was male or female that called. I stated unsure and was then connected to a female by the name of XXXX. I stated my name, asked her how can I help you & who is this company. I was told Omni-Point Solutions , a debt collector. I asked XXXX, why does it say XXXX XXXX XXXX as point of contact & are they using spoof numbers to make people answer they phones. She stated, that was weird and that the company does have several numbers they use. I proceeded to state I never heard of Omni-Point and dont recall giving them any permission to have my personal information nor ever received any other communication from this company via mail or email ever. The representative then stated several letters have gone out to me in regards to a debt. At that time I asked for all past correspondence be re-sent to me due to never hearing from this company before. I also requested a debt validation letter per ( FDCPA ) 15 U.S.C. 1692g via the address they have on file & from this point forward cease and desist any further contact to myself and family members. Omni-Piont has never previously sent me any information regarding a debt or how to dispute it. Though it was stated they have. This is a violation of my rights under the Fair Debt Collection Practice Act. This company seemed very sketchy to me. I got three different phone numbers from one point of contact. ( XXXX ) ( XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I submitted a Reconsideration Request on XX/XX/XXXX. Received an email to confirm submission with a case number. Since that time, I have heard nothing. The Reconsideration Request does not show in my account, and can not be tracked online. I have called on XX/XX/XXXX, XX/XX/XXXX, and XXXX. On XX/XX/XXXX I was told it was in review, was escalated, and to expect a resolution in XXXX days. On XX/XX/XXXX and XXXX, I was told it was in review, and there was no timeframe to expect completion. I requested an average timeframe from submission to completion of Reconsideration requests, and was told they do not have that information. To be considered for public service loan forgiveness, I need the Reconsideration Request to be completed.

Company response to consumer: Untimely response