vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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:
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 : XX/XX/year> 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 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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I am requesting immediate assistance and escalation regarding ongoing issues with my M & T ; online banking account that have remained unresolved since XX/XX/XXXX. Despite multiple tickets and numerous calls, I have been unable to access my account via the main website to make payments or manage funds, resulting in unnecessary time and financial stress. 

Below is a documented timeline of my attempts to resolve the matter : - XX/XX/XXXX XXXX XXXX opened ; closed with no resolution. 
- XX/XX/XXXXXXXX XXXX XXXXXXXX opened ; closed with the note I can login despite the issue persisting. 
- Spoke with XXXX ( Manager, M & T ; Online Banking Services ) ; escalated to XXXX ( Supervisor, Digital Banking ) ; late fee removed; escalation promised but no follow-up. 
- XX/XX/XXXXXXXX XXXX XXXXXXXX reopened by XXXX ( XXXX ). Multiple calls with XXXX, XXXX, XXXX ; repeated troubleshooting with no resolution. 
- XX/XX/XXXX Troubleshooting call with XXXX ; no resolution. 
- XX/XX/XXXX Spoke with XXXX, XXXX ; ticket escalated again. 
- XX/XX/XXXX XXXX closed XXXX, stating the issue was on my end, despite testing multiple computers and networks. XXXX ( XXXX ) promised escalation to higher management. 
- XX/XX/XXXX XXXX ( Customer Advocacy ) called ; escalated to XXXX XXXX. 
- XX/XX/XXXX XXXX ( Online Banking Specialist ) repeated previous troubleshooting steps ; issue remains unresolved. 

Account Number : XXXX At this point, I have exhausted the standard support channels. This lack of resolution has forced me to repeatedly dispute late fees and has wasted significant time.

Requested Resolution : 1. Immediate restoration of full online banking access.

2. Written confirmation that all late fees related to this issue are permanently waived.

3. Written acknowledgment of this escalation and a direct callback from a senior-level support representative or executive liaison. 

If this matter can not be promptly resolved, I will continue to escalate through regulatory channels. 
This letter is being provided to the Consumer Financial Protection Bureau as part of a formal complaint.

Please respond within five ( 5 ) business days with confirmation of receipt and a clear plan for resolution.

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 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/year> SS # XXXX Subject : Cease and Desist & Dispute of Debt Request for Deletion To Whom It May Concern, I am filing this complaint against the following company ( ies ) that are reporting inaccurate, incomplete, or unverified information on my credit file : Accounts in Dispute : HUNTER WARFIELD Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX HUNTER WARFIELD Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX I dispute these accounts under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, as they are not accurate and/or can not be verified. Despite previous disputes, these accounts remain on my credit report and continue to cause harm. 

I am also requesting that these furnishers cease and desist from further collection activity or reporting of these disputed accounts, as they have failed to provide proper validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Requested Action : Require the data furnishers to provide full verification of the alleged debts, including original documentation proving validity and legal authorization to collect. 
If they can not provide this verification, require immediate deletion of these accounts from all credit reporting agencies ( XXXX, XXXX, XXXX  ). 


I respectfully request that the CFPB investigate these violations and ensure the immediate deletion of these unverified accounts. Please provide me with written confirmation of the results. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I am filing this complaint due to the prolonged mishandling of my personal informationspecifically my date of birthin connection with my federal student loans. This issue began during my enrollment at XXXX Arizona University ( XXXX ) from XX/XX/XXXX to XX/XX/XXXX, and has continued across multiple institutions and servicers, resulting in serious repayment barriers and possible violations of federal law. 

On XX/XX/XXXX, I contacted Aidvantage about an upcoming student loan payment due XX/XX/XXXX. I was denied access to my online account due to an incorrect date of birth on file ( XX/XX/XXXX ). My correct birthdate is XX/XX/XXXX, which is reflected in all XXXX applications submitted to institutions I attended after XXXX, including University XXXX Washington XXXX, XXXX XXXX University, and XXXX XXXX University. 

I emailed Aidvantage requesting documentation ; they replied with instructions to log into the portalwhich I still can not access due to the DOB error. I also contacted XXXX and the XXXX Department of Education in XXXX and XXXX, submitting identification to correct the record. Despite this, my loans were transferred to Aidvantage in XXXX with incorrect personal data. Aidvantage has failed to disclose the previous servicer, leaving me unable to trace the origin of this error. 

This issue has caused substantial disruption to my ability to manage and repay my student loans from XXXX to XXXX, and may involve FERPA violations and noncompliance with consumer protection laws under the FCRA and Higher Education Act. 

I am requesting : - A full investigation into the origin and transmission of incorrect data ; - Correction of all records ; - Access to complete loan documentation, including prior servicer ; - Removal of any negative credit reporting tied to this issue ; - Interest forgiveness for the affected time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Debt Collector 's Information : Debt Collector Name : Aldous And Associates Debt Collector Address : XXXX XXXX XXXX XXXX, XXXX XXXX Debt Identification ( account # ) : XXXX XXXX XXXX Date : XX/XX/year> Statement of Intent : Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am requesting validation of the debt as required by the FDCPA. I am disputing the debt and that all collection efforts must cease until the debt is validated. I am requesting information regarding the statute of limitations for this debt in New York State.

Debt validation request : 1. The amount of the debt owed.

2. The name of the original creditor to whom the debt is owed.

3. A detailed list of payment history, made by me, on this account including the initial amount, all interest charges, and any additional fees. 4. A signature that I put on a contract with a guarantee that I would pay this creditor. 5. Documentation confirming the transfer of the debt, including the date of transfer a
nd how it was transferred. 5. Insurance claims filed on this debt. 6. Proof of chain of title to collect on this debt.

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act. Because I have disputed this debt in writing, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to the Federal Consumer Financial Protection Bureau, my State Attorney General, and my States licensing agency for debt collectors. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor, so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I had several fraudulent debit card charges linked to my PNC Bank checking account, mostly international. I disputed the charges as they were not mine and I was not out of the country when they were made. PNC says my physical card or a digital wallet was used in making these transactions so I must have been the responsible party so they are maintaining that I am liable for the charges. They are 100 % not my charges. The individual charges totaled {$120.00} but PNC refuses to refund the charges ( exept 1 ) or investigate further. I believe there is a security breach that could leave other consumers vulnerable as someone was able to use my debit card account info to make these transactions. I am writing a letter of complaint to PNC and also filing this complaint with CFPB and XXXX in Washington XXXX DC. There were a total of 7 charges between XX/XX/year> and XX/XX/year> plus international transaction fees that I disputed. The individual charges were all less than {$30.00} each. I contacted PNC on XX/XX/year> when I noticed the charges on my statement. They responded on XX/XX/XXXX but also reversed the provisional credit to my account saying that I was responsible. I reopened the dispute on on XX/XX/XXXX received a response that {$110.00} of the charges were my responsibility ( apparently they did find that one charge of {$4.00} which was not an international charge was fraudulent and they did not reverse that credit- but the international charges were debited from my account ). There is a security issue here that PNC has yet to address which is why I am bringing this to your attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-22 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: AZ

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 : INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
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 : XX/XX/year> 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, 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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file with TransUnion contains XXXX accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that I never authorized to be reported, nor did I give my consent for them to be furnished to any credit reporting agency. 

At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer 's credit file may only contain information obtained for a permissible purpose, which generally requires the consumer 's express consent. The inclusion of these accounts and the related inquiries in my TransUnion filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

Additionally, under FCRA 605B ( 15 U.S.C. 1681c-2 ), when a consumer submits a report to the Federal Trade Commission ( FTC ) identifying disputed information, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report to the FTC ( Report XXXX : XXXX ), which clearly identifies the disputed items. Despite this, TransUnion continues to report the accounts and the inquiries, causing ongoing harm. 

TransUnion has also failed to meet its obligations under FCRA 1681e ( b ), which requires that credit reporting agencies maintain only accurate, verifiable, and complete information in a consumer 's file. The lack of verifiable documentation from the furnisher or the agency demonstrates that this legal standard has not been met.

HARM CAUSED : As a result, my credit score has been negatively affected, limiting my access to credit, housing, and other essential financial opportunities. Specifically : I have been denied for legitimate credit applications due to these unauthorized accounts When approved for credit, I am forced to pay significantly higher interest rates I was recently denied rental housing because of this negative information My insurance premiums are higher due to credit-based pricing This has caused ongoing financial stress, embarrassment, and unnecessary hardship.

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