vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
1. Debt is listed by Portfolio Recovery for a past credit card balances of {$650.00}. This is not an account that I had knowledge of nor did I open the account. I disputed this debt with the original company. I was referred to a program for identity theft. The account was then sold to a debt collector. I requested validation and disputed that the debt was owned by me on 16 different occasions, beginning XX/XX/XXXX. I have never received proof of validation of the debt on any occasion and the dispute results the following : Dispute resolved - subscriber disagrees. 

2. Debt listed by XXXX XXXX XXXX for a past due balance of {$160.00}. This debt was originally owned by XXXX XXXX XXXX. The debt was incurred originally XX/XX/XXXX. The past due balance has been paid to XXXX XXXX and on multiple occasions, I have sent bank statement information and a receipt where I paid the debt to the original debtor, being XXXX XXXX XXXX. On multiple dispute investigations, the debt has not been removed. However, the debt is continually sold to various third-party credit reporting agencies. Each of these companies and all credit reporting agencies refuse to remove the debt from my credit report, despite receiving documentation from my checking account and receipts from XXXX XXXX. 

3. There is a previous address being reported on my credit report that is incorrect. The incorrect address is XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX. I have never lived at this address nor am I familiar with the location. I have asked all credit reporting agencies to please remove the address from my credit report. With each request, over the last three years, the information has been ignored, and the address continues to be reported incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My original dispute for request for investigation into inaccuracies on report was sent out XXXX There has not been a response from the bureau. Under 15 U.S.C. 1681s-2, furnishers of information are prohibited from reporting inaccurate or incomplete data once notified of a dispute. Continuing to report this item without proper investigation or documentation violates federal law and my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. 
I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX BRAVES XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting a follow up on a previous dispute concerning an item on my credit report that I believe to be both inaccurate and unauthorized. To date, I have not received adequate validation or documentation supporting the legitimacy or accuracy of this debt. 
I continue to dispute the validity of the amount reported, as well as the ownership of the account. I am formally requesting that a thorough investigation be conducted. If the account can not be fully substantiated with proper documentation including proof of ownership and a full payment history I respectfully request that the item be removed from my credit file in accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX BRAVES XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: MI

Complaint narrative:
Wise facilitates money transfers, including international transfers. I opened an account with wise ( involving lots of paperwork, IDs, and uploads ), because I needed to be able to frequently send money to my fianc in the XXXX to her XXXX account, and also to my own XXXX account for when traveling. I eventually started doing some rXXXX XXXX work for a guy in XXXX ( I'm an XXXX XXXX ), and he uses Wise to transfer money regularly to his contractors. He wanted my wise information, and I received payments from him for a month or so. 

I eventually got notice that my Wise account was closed, without any reason. They have an appeal process, but it is solely a button you check on their website, and within minutes they just email you that they upheld their decision with no reason whatsoever. I spent many hours on the phone trying to get information or get the account reopened, to no avail. A support representative said they couldn't tell me why they closed the account, but we surmised it may be from receiving business income on an account registered as a personal account ( at the time I didn't know this was an issue at all ). That is only a guess.. He recommended I open a business account on wise for this purpose, which I did and had to send in all kinds of ID and paperwork. I was charged {$30.00} by wise for this. 

Less than 6 weeks later I tried to log into this business account ( which to this point I hadn't used for anything ), but found it was closed also. I went through the standard click to appeal process, and again immediately received a response they were upholding their decision. 

I want to know how a business can operate like this?? I'm doing lawful work, just trying to survive, and trying to support my soon to be wife. I don't send or receive more than a few XXXX dollars a month. It seems VERY wrong after I just spent {$40.00} to open this account that they can close it, with no reason or explanation at all. It makes me sick.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies
State: WA

Complaint narrative:
My auto lender, Prestige Financial Services, has been applying 100 % of my payments toward interest and none toward principal, even though I make consistent monthly payments. After more than a year of payments, my principal balance has not been reduced by even a single dollar, which I believe is improper, predatory, and not in accordance with my loan agreement. 

Details : Loan number : XXXX Original principal : {$32000.00} Interest rate : 24.74 % Monthly payment : {$880.00} I have made regular ACH payments between {$800.00} {$880.00} each month. 
Every payment has been applied entirely to interest per Prestiges own waterfall statement.

My principal balance today is the exact same amount as the contract date. 
Total interest paid to date : {$15000.00} Total principal paid : {$0.00} Payoff amount is higher than original financed amount. 

This appears to be a case of misapplied payments or predatory loan servicing. Prestige has not provided a reasonable explanation for why none of my payments have reduced the principal, and the waterfall statement shows all payments being taken as interest only.

I am requesting the CFPB require Prestige to : 1. Provide a full copy of my signed loan contract.

2. Provide a proper amortization schedule.

3. Conduct a payment audit. 
4. Correct any improper payment application and adjust the balance accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am sending to dispute inaccurate personal information that has appeared on my credit file. This includes both incorrect names and addresses that do not belong to me and have never been associated with my credit history. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate blocking and permanent deletion of these inaccurate items.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am sending to dispute inaccurate personal information that has appeared on my credit file. This includes both incorrect names and addresses that do not belong to me and have never been associated with my credit history. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the immediate blocking and permanent deletion of these inaccurate items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
There appears to be a bank account being reported by Citizens Bank. The debt included in my bankruptcy and should reflect a {$0.00} balance. Subsequently, on XXXX XXXX XXXX, the Bankruptcy Court entered XXXX XXXX discharge ( the Discharge ), a copy of which is attached for your convenience [ XXXX ]. Pursuant to 524 ( a ) ( 2 ) of the Bankruptcy Code, [ a ] discharge... operates as an injunction against the commencement or continuation of an action, the employment of process, or an act, to collect, recover any such debt as a personal liability of the debtor.... ________________________ { XXXX } This is commonly referred to as the discharge injunction. It prohibits the Lessor from suing or threatening to sue XXXX XXXX with respect to the Lease, as the debt associated with Citizens Bank were discharged. I am writing this letter because XXXX XXXX  or has : ( i ) sent XXXX XXXX communications threatening to sue her for nonpayment of the Lease, and ( ii ) reporting unauthorized reports on XXXX XXXX. I hope these actions were taken inadvertently. Nonetheless, the Lessor must immediately discontinue these actions. If the Lessor does not, it will be in violation of the discharge injunction, and will be subject to court sanctions and other serious consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b'I am sending  to dispute several inaccurate addresses that appear on my credit file. These addresses are not and have never been associated with me, my residence history, or any of my legitimate financial accounts. Their presence creates confusion, suggests possible identity misuse, and misrepresents my personal credit profile.\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
Avant account and application were approved and opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Avant ( Avant Credit Cards ) claimed that the credit card and cardholder documentation was mailed, and to wait no more than 15 business days to receive documents and credit card. After nearly an entire month, neither the documents nor credit card were received. A request was made to Avant to 'reship ' the documents and credit card, although they refused ; claiming that these documents were already shipped. After my initial request, Avant stopped answering my support inquiries, and did not provide any information over the phone. As of XXXX XXXX XXXX XXXX XXXX XXXX Avant claims that I owe {$39.00} USD to settle my account balance, even though I never received my financial documentation nor contract ( s ), as well as my credit card. I utterly refuse to pay this amount, especially as I deeply question the legality and legitimacy of the lender/institution, and the questionable actions of Avant raise red flags concerning consumer rights, as well as institutional compliance and regulatory standards. On XXXX, at XXXX XXXX, I tendered official account closure requests, and the only formal documentation that Avant provided was a 'generic " email communication with only my first name. Lacking in the 'notice ' is the name of a specific agent or representative of the 'company/institution ', as well as a legally and compliant form of account cancellation. Upon my request of a formal notice of cancellation, the company refused to provide a formal and legal document tendering this information, directing me to rely on only the generic email itself as constituting 'proof ' of account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MO

Complaint narrative:
I have made now XXXX attempts to pay on my student loan which the payment is due on XX/XX/scrub>XXXX XXXX XXXX When I contacted the servicer/lender she said it should be received but every time the money is reversed. I do not know why my payments are being reversed and I do not want to have a penalty or additional interest. Please contact me after you have a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting to formally request the removal of the dispute comments currently listed on my credit report for the following accounts and the resetting of their dispute status to reflect that they are no longer in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$810.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} These accounts were previously reported with a notation such as consumer disputes this account. However, I am no longer disputing these accounts, and the dispute remarks are no longer applicable. I am requesting that promptly remove all dispute indicators and update these accounts to show as regular, non-disputed accounts. The continued presence of dispute comments on my credit report is causing unnecessary complications when I apply for new credit, as lenders interpret these notations to mean the accounts are still under active dispute. This misrepresentation negatively impacts my creditworthiness and does not accurately reflect my current financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I have a XXXX XXXX XXXXXXXX truck and I paid off the original loan. Someone keeps generating loan documents against this vehicle and the payment starts automatically withdrawals from my XXXX Bank account. It has happened multiple times, with my XXXX XXXXXXXX Truck. Bank Loan is through Mountain America, in Utah. The Automatic withdrawals come out of my XXXX Bank account in XXXX, UT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am the victim of a check fraud scam involving the attempted sale of my boat. A buyer responding to my XXXX ad sent me a cashiers check that appeared legitimate but was later returned by Bank of America as fraudulent/insufficient funds. I deposited the check in good faith, and I did not receive any money from it. 

Instead of helping me as a fraud victim, Bank of America closed my personal and business accounts without explanation. Since the date of closure, the bank has been holding my remaining funds and refuses to tell me : the exact amount they owe me, when the refund check will be sent, or why there is a delay. 

I have called Bank of America many times and they repeatedly tell me to wait XXXX hours, but they never provide any updates. My funds have been frozen for weeks with no communication. I depend on this money, and the bank has given me no timeline for the return of my own funds. 

I acted in good faith, and I am the victim of a crime that I am reporting to law enforcement. There was no fraudulent intent on my part. I am requesting immediate assistance from the CFPB to require Bank of America to : XXXX. Provide written confirmation of all account closures, XXXX. Provide the exact refund amount owed to me, XXXX. Release my funds immediately, XXXX. Remove any fraud flags placed on my name, and XXXX. Explain their actions and delays. 

Bank of America is withholding my money without justification, causing financial hardship. I need the XXXX  help to resolve this issue.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this fourth follow-up complaint regarding inaccurate and unauthorized items that continue to appear on my credit report. These items have not been verified in accordance with federal law and must be permanently deleted. This complaint is not a request for correction but a formal demand for removal under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Reported : {$33000.00} Repossession * * This account remains inaccurate and unverifiable. The reporting furnisher has failed to provide documentation to verify the accuracy or ownership of this repossession. Under : FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ( a ) ), the credit reporting agency is required to conduct a reasonable reinvestigation of disputed information. 
FCRA XXXX ( a ) ( XXXX ) ( A ) ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 
FCRA XXXX / XXXX U.S.C. XXXX mandates that unverifiable or identity theft-related information must be blocked and permanently deleted upon request. 
Since the information for this repossession can not be verified, I am demanding its permanent removal from my credit report. 
Item XXXX : Unauthorized Inquiry XXXX XX/XX/year> This inquiry was made without my authorization and does not meet any permissible purpose under federal law. Under : FCRA XXXX ( a ) ( XXXX U.S.C. XXXX ( a ) ) and FCRA XXXX ( f ) ( XXXX U.S.C. XXXX ( f ) ), a consumer report may only be accessed with the consumers consent and for legitimate purposes. 
FCRA XXXX ( XXXX U.S.C. XXXX ) makes it unlawful to knowingly obtain a credit report under false pretenses. 
FCRA XXXX / XXXX U.S.C. XXXX grants consumers the right to request the removal of information resulting from identity theft or unauthorized access. 
As this inquiry was neither authorized nor initiated by me, it violates my rights under federal law. I am demanding permanent deletion of this inquiry from my credit report.

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