vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: VA

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

1681c2 ) that you, the Experian 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 : ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} 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 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: OH

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

1681c2 ) that you, the TransUnion 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 : XX/XX/XXXX ACCOUNTS : BANKRUPTCY - Account Number XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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, 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 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
Aidvantage, even after numerous lawsuits, continue to perform unlawful measures and still choose to violate the Fair Credit Reporting Act ( FCRA ). They are currently reporting inaccurate and unauthorized XXXX  day late payments in XXXX of XXXX on my consumer reports with agencies, such as XXXX and XXXX. The previous company XXXX, which is who my student loans were transferred from, was as you know Banned because of the same unlawful acts Aidvantage, which again is a division of Maximus , Inc., is currently participating in themselves. 
The documentation that they attached to their complaint response from XXXX, the previous loan holder, does not include the correct address at that supposed timeframe of XXXX. I DID NOT move to my current address until XXXX, as shown on my Driver License and Government issued identification. In XXXX, I was still at the address of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX as shown on the Master Promissory Note ( MPN ) that they also attached to that complaint response as well ( Seen in attachment Proof of Correct Address ), so there is no way I would have received any notification by postal mail of any late payments that were approaching at that time. XXXX also did not send any notification by email, so reporting late payments to the credit agencies without proper notification is a violation of the FCRA. 
Those supposed notifications that they claimed XXXX sent out with the wrong address on them that was attached to your complaint response also shows that on XX/XX/XXXX of XXXX, those supposed missed payments were only XXXX days past due ( Seen in attachment Proof of Inaccuracy and violation ). So the 90 day late payment that they are furnishing in the month of XXXX of XXXX on my XXXX  and XXXX credit reports has to be inaccurate. 
XXXX not sending the proper notification regarding any missed payments to the correct address of timeframe and them reporting inaccurate XXXX  days late payments in the month of XX/XX/XXXX makes them in heavy violations of the FCRA Law, which could result in consideration of civil litigation for defamation of character, willful non-compliance, and violation of federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am filing this complaint against PNC Bank for its failure to respond to a recall request for stolen funds, which directly contributed to my financial loss. 

On XX/XX/XXXX, I was a victim of a XXXX swap attack and wire fraud. A fraudster stole {$19000.00} from my XXXX account via an unauthorized wire transfer that was sent to an account at PNC Bank. XXXX case number is XXXX. 

According to XXXX Bank 's own response to a CFPB complaint, they initiated a recall request with PNC on XXXX, XXXX. PNC then requested a " Hold Harmless Letter '' ( XXXX ), which XXXX submitted. 

XXXX 's response states : " We did not receive a response so we sent a follow up on XX/XX/XXXX. '' - a whole year later! 

This means PNC Bank did not respond to a recall request for stolen funds for nearly XXXX months. This unreasonable and lengthy delay allowed the stolen funds to vanish, violating my rights as a fraud victim. 

PNC Bank 's failures include : XXXX ) Failing to respond to a formal recall request and Hold Harmless Letter for stolen funds for XXXX months. 
XXXX ) Failing to conduct adequate due diligence on an account that received a large, suspicious wire transfer, leading to the loss of funds. 
XXXX ) Effectively enabling the fraudster to retain stolen funds by not acting in a timely manner. 

I demand that the CFPB compel PNC Bank to : XXXX ) Provide a full accounting of what happened to the {$19000.00}. 
XXXX ) Explain its unacceptable XXXX silence on this recall request. 
XXXX ) Detail the steps it took to investigate the legitimacy of the transfer when it was received. 

This complaint is regarding PNC 's role in the loss of funds. Their failure to act is a significant part of why this fraud was not resolved! 

XXXX XXXX, XXXX : XXXX occurred. I reported to XXXX the same day and followed up every month for XXXX months. Sms on XXXX  started XXXX am, money was stolen at around XXXX which occurred at the same time we see call forwarding on the device. The sms from XXXX never reached our physical phone. We submitted case with XXXX XXXX department. 
XXXX XXXX : XXXX tells CFPB they sent XXXX to PNC. 
XXXX XXXX- XXXX XXXX : 11 months of no response from PNC. 
XXXX XXXX, XXXX : XXXX finally follows up with PNC. 
XXXX XXXX, XXXX : XXXX denies claim again in spite of clear evidence of fraud.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts were opened without my consent and are fraudulent. I ask for their immediate deletion and review. Supporting evidence is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I received a card in the mail today that I did not apply for. Upon calling the company they were combative and hung up on me when trying to discuss.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX for creating and attempting to collect an invalid debt. Despite my written dispute, XXXX failed to investigate, and instead improperly forwarded the alleged debt to Transworld Systems Inc. for collection. 

Timeline of Events : XX/XX/year> : I placed an order with XXXX XXXX ( Order # XXXX, Confirmation # XXXX ) to transfer my existing number. XXXX confirmed the order. 

The transfer was never completed. The line was never activated, and my XXXX account at the time reflected a balance of {$0.00} due. 

XX/XX/year> ( multiple attempts ) : When I called XXXX, the automated phone system did not recognize my phone number as being associated with any XXXX account. This confirmed that my line was never activated and that XXXX systems did not have a valid account to bill. 

XX/XX/year> : I formally disputed the charges in writing with XXXX XXXX, explaining that no services had been provided. 

Despite my dispute being on record, XXXX forwarded the account to Transworld Systems Inc. for {$98.00}. 

XX/XX/year> : I received a collections notice from TSI demanding {$98.00} on behalf of XXXX. 

Systematic Failures by XXXX : Failure to provide service XXXX billed for a line that was never activated. 

Failure of internal account verification Verizons own automated system could not locate my account by phone number, yet XXXX still assigned a balance and forwarded it to collections. 

Failure to resolve a dispute Despite my written dispute on XX/XX/XXXX, XXXX did not investigate or resolve it. 

Improper assignment to collections Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), creditors must investigate disputes before treating an account as delinquent. XXXX ignored this obligation. 

Inaccurate furnishing of information Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), XXXX can not furnish inaccurate or disputed information to a third party. Referring this to collections after my dispute was a violation of this duty. 

Failure to engage in good faith When I called XXXX XXXX, the phone agent hung up on me. Later, in secure chat, XXXX agents refused escalation and went silent once I cited my legal rights. This demonstrates a pattern of avoiding accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am filing this complaint against TD Bank regarding their denial of access to available funds in direct contradiction to their published Funds Availability Policy. According to TD Banks policy, funds from electronic deposits such as ACH transfers should be made available on the business day the deposit is received, and cashiers checks purchased with collected funds must be made available immediately. Despite this, TD Bank withheld my funds and refused to issue a cashiers check even though my account balance showed sufficient available funds. This incident occurred at the TD Bank branch located at XXXX XXXX XXXX, XXXX, NJ XXXX. During this interaction, I was asked to provide evidence of the source of funds, and I provided TD Bank with confirmation of the transaction directly from XXXX. Even after doing so, I was still denied access. As a direct result, I was unable to access my own money on the day I needed it, which prevented me from completing the purchase of a car that same day. This caused me significant financial harm and personal inconvenience, as I lost the opportunity to obtain transportation I had arranged and budgeted for. 

These actions contradict TD Banks own Funds Availability Policy and violate Regulation CC ( 12 C.F.R. Part 229 ), which requires that financial institutions make certain deposits and payments available promptly. A fair resolution would be for TD Bank to reimburse me for the financial losses and inconvenience caused by their refusal to provide access to my available funds, including the lost opportunity to purchase the car on the scheduled day. I also request that TD Bank be required to review and correct its funds availability practices to ensure compliance with Regulation CC and its own published policy, and provide written confirmation that this issue has been addressed so it does not recur in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Debt from Wes lake financial services that doesn't belong to me. I filed Dispute with XXXX XXXX ( dispute number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FC HoldCo LLC
State: IL

Complaint narrative:
Account was open, and I was unaware of it somebody committed fraud it

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: FL

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

1681c2 ) that you, the TransUnion 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 : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report ; they are hurting my ability to get credit Date opened XXXX XXXX Monthly XXXX Account number 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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are being reported under my name without my authorization or knowledge. I have never opened, authorized, or managed these accounts. This is unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is highly concerning. I require immediate clarification as to why they are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: NE

Complaint narrative:
RADIUS GLOBAL SOLUTIONS # XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account immediately 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 non-monetary relief