vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear Portfolio Recovery Associates, I am writing to formally request that you cease all telephone communication with me regarding the following account : Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : Debt Buyer Status : Collection account {$1300.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Your company has contacted me multiple times per day, at all hours, despite my previous requests to stop these calls. This behavior is harassing, abusive, and in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits the use of any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. 

Specifically : 15 U.S.C. 1692d prohibits a debt collector from engaging in conduct the natural consequence of which is to harass, oppress, or abuse. This includes repeated phone calls intended to annoy or harass.

15 U.S.C. 1692c prohibits a debt collector from contacting a consumer at inconvenient times or after being asked in writing to cease communication.

I demand that you immediately cease and desist from any further telephone communication with me. If you need to contact me, you may do so in writing only, at the address you have on file.

If these harassing calls do not stop, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action for violation of my rights under the FDCPA.

Please confirm in writing that all phone contact will cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
Subject : Complaint Against Aidvantage Failure to Acknowledge or Process Spousal Loan Separation Request Dear CFPB, I am filing a formal complaint regarding Aidvantages ongoing failure to acknowledge or process my spousal loan separation request, and the lack of transparency and consistency in their communication with me as a borrower. 

On XX/XX/2025, I submitted a loan consolidation separation packet to Aidvantage, requesting separation of a jointly consolidated student loan, currently being serviced by XXXX, under federal law. The account number for the loan in question is XXXX. After receiving no response or acknowledgment from Aidvantage, I resent the full application on XX/XX/2025, to ensure proper delivery and consideration. 

Since then, Aidvantage has not acknowledged receipt of either submission. There is no confirmation, no case number, and no process available for me to verify whether the application is even under review. I have contacted Aidvantage numerous times, and each interaction results in conflicting or vague informationsome representatives state the request is in progress, while others say no record exists. I have been repeatedly told to wait for a letter, but no written correspondence or update has ever been sent. 

This level of disorganization is unacceptable, especially for a federally contracted loan servicer handling time-sensitive applications that directly affect repayment status and borrower rights. Aidvantages actionsor lack thereofhave left me without any clarity or assurance that my application is being handled properly. 

I am requesting the CFPB take the following actions : 1. Ensure Aidvantage acknowledges receipt of both the XX/XX/XXXX and XX/XX/2025 separation packet submissions ; XXXX. Require a formal status update in writing, including a timeline and point of contact for the review of my application ; 3. Compel Aidvantage to establish a transparent, trackable process for borrowers submitting spousal loan separation requests going forward. 

Thank you for your attention to this matter. I am happy to provide supporting documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: MS

Complaint narrative:
I am filing this complaint against Equifax for continuing to report inaccurate and unverified information, as well as for providing false information to the CFPB regarding the resolution of my disputes. 

Equifax claimed they verified the accounts I disputed, but this is not true. I never received any legally required documentation from them. Instead, I reached out directly to the furnishers : XXXX XXXX and XXXX XXXX XXXX only sent over basic billing statements no contract, no chain of assignment, no account-level documentation, and nothing to verify the legal validity of the debt. 
XXXX also clearly stated in writing that they are not reporting to any credit bureau. So why is Equifax still reporting them on my credit report? 
XXXX XXXX has completely failed to respond to my validation request. As a furnisher of information, they are required by law to investigate and respond within 30 days. Their silence is a violation of my rights under FCRA 611 and FDCPA 809.

Equifaxs continued reporting of these accounts despite failed or non-existent verification is reckless and in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: LA

Complaint narrative:
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 XXXX  party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Per my previous complaint # XXXX, Wells Fargo XXXX XXXX lift the restrictions off my XXXX accounts ( XXXX ). Both the CFPB and XXXX agree that there are no XXXX restrictions on their ends. I've left several requests for XXXX XXXX of XXXX to return my call ( the last week of XXXX, 2025 ), to no avail. XXXX 's work # XXXX. 

I have also provided XXXX with a copy of the XXXX XXXX Police Department ( XXXX ) stating that I am not responsible for the XXXX XXXX transfer in question. I was the victim, not the perpetrator. 

I also sent another request via email ( XXXX ) last week for a reason that XXXX lifted the XXXX restriction for 1 day and then reinstated the restrictions. 

Why won't XXXX lift the XXXX restrictions?

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 2025-07-01 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: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to register a formal complaint regarding a serious and unresolved issue involving Zelles token-to-account routing system. For over a year, I have been unable to receive Zelle payments intended for my XXXX XXXX account via my registered mobile number ( XXXX ). These paymentstotaling approximately $ XXXX instead misdirected to a XXXX XXXX account ending in XXXX under my name, despite the fact that I have never enrolled in Zelle at XXXX XXXX XXXX 

This represents a clear failure in XXXX identity and token management system, and a breach of trust with both senders and recipients who rely on accurate, secure payment delivery. 

Background : I registered my mobile number with my XXXX XXXX Everyday Checking account, where Zelle send functionality works, but incoming payments have failed since 2023. 

Verified senders provided proof that Zelle transfers were successfully sent to my mobile number which was provided to XXXX XXXX for their investigation. 

XXXX XXXX confirmed no restrictions on my account and has since closed the case citing Zelle responsibility ( Case # XXXX ). 

I discovered through further inquiry that Zelle misrouted the funds to a XXXX XXXX account. Again, I never authorized or enrolled my Zelle credentials with XXXX XXXX. 

This routing error is a significant violation of customer consent and data control. I was never notified that my mobile number had been linked elsewhere, nor was I given the opportunity to confirm or reject that redirection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-01 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-07-01 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
XXXX has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY 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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Glick Management, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX, I entered into a retail installment contract for a XXXX XXXX XXXX through Tri-State Auto Sales located at XXXX XXXX XXXX, XXXX, Ohio. I later discovered that the financing was arranged through an entity called Cincinnati Premier Finance, which does not appear to be licensed by the Ohio Department of Commerce, Division of Financial Institutions, nor is it listed in the NMLS Consumer Access database.

At no point was I clearly informed that Cincinnati Premier Finance would be the creditor, and I was never given a choice in selecting a lender. I now believe this company may have acted as an unlicensed finance provider. Unauthorized credit inquiries appeared on my credit report, and when I contacted Tri-State Auto Sales and Cincinnati Premier Finance to ask who pulled my credit and under what authority, I was denied clear answers. The dealership hung up on me when I asked about the identity and licensing status of the finance company.

After falling behind due to financial hardship, I attempted to make arrangements. Instead of offering assistance or legal repossession procedures, Cincinnati Premier Finance remotely XXXX my vehicle using a kill switch on or around XX/XX/XXXX, despite a pending dispute over the legality of the financing contract. Prior to that, my vehicle had been towed after an unrelated arrest, and I was told I would need to pay over {$300.00} to retrieve italthough it was later left on the side of the road without notice or legal process. After I recovered the vehicle and parked it in a safe public area, the company located it using a GPS tracker and removed it without notice, despite there being no court order or formal repossession process.

I have since learned that the vehicle may have been titled in my name using a fraudulent or incomplete Power of Attorney, and that the entire financing process may have been conducted outside of legal and regulatory requirements. A former employee of the business has come forward with information suggesting routine fraud, document destruction, and violations of consumer protection laws by the individuals involved. 

I am requesting that the Consumer Financial Protection Bureau initiate an inquiry into whether Cincinnati Premier Finance is operating without the required license, and whether the actions taken against meincluding the unauthorized use of a kill switch, misrepresentation of creditor identity, and improper credit accessconstitute violations of federal and state consumer finance laws, including : Truth in Lending Act ( TILA ) Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Ohio Retail Installment Sales Act Ohio Consumer Sales Practices Act I am asking that this company be required to produce proof of its licensing status, contract validity, and legal authority to operate as a finance company in the state of Ohio.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
I have never opened or had any contractual agreement with this collection agency. 

I have not received any signed agreement, contract, or documentation showing that I owe this debt or authorized it to be reported.

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 2025-07-01 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: GA

Complaint narrative:
I recently obtained a copy of my credit report, and it has a lot of inaccuracies and information from unauthorizedaccounts. My life and credit have suffered as a result of these statements.

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