vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Against : EdFinancial Services Subject : False Reporting of Student Loan Late Payments, Refusal to Provide Documentation, and Improper Handling of Disputes Dear consumer, financial protection bureau. 

I am submitting this complaint regarding EdFinancial Services ( EdFinancial ) for knowingly providing false, misleading, and inaccurate information to the credit reporting agencies, and for their refusal to provide any documentation supporting their claims.

In early XXXX, specifically XXXX  and XXXX, EdFinancial reported my student loan account as late. This reporting is false for the following reasons : 1. My account was in deferment during XXXX  and therefore no payments were due.

2. My account was paid in full and has never been late.

3. EdFinancial has refused, on multiple occasions, to provide any documentation supporting their claim of delinquency.

4. Every time I attempt to dispute this false information with EdFinancial, they improperly dismiss my dispute as a duplicate complaint. This is not a duplicate it is an unresolved and serious issue. By doing this, they are avoiding their legal obligation to investigate and correct false reporting. 

Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers of information to report accurately and investigate disputes. Their conduct also violates the Consumer Financial Protection laws prohibiting deceptive and unfair practices.

I am formally requesting the following : That the CFPB investigate EdFinancial for knowingly reporting false information regarding my student loan.

That EdFinancial be required to provide documentation, if any exists, supporting their claim of late payments in XXXX and XX/XX/year>. 
That all false information reported by EdFinancial to the credit reporting agencies be removed immediately. 
That EdFinancial be held accountable for violating federal consumer protection laws and for improperly dismissing valid disputes as duplicate complaints.

EdFinancials refusal to provide proof, their dismissal of disputes without proper investigation, and their continued reporting of false data have caused serious harm to my creditworthiness and financial standing. Their conduct demonstrates a pattern of abuse against student borrowers, and they must be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO FEDERAL LAW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: West Capital Lending, Inc.
State: OH

Complaint narrative:
I chose West Capital Lending to refinance my home around XXXX XXXX. During the process, they asked what I thought my home was worth and would appraise for. I told them since we bought it a year ago, the same as the purchase price, $ XXXX. With that understanding we moved forward. Appraisal came in on XXXX XXXX  at $ XXXX. At that point, I was told I needed to find comps because we needed an appraisal of $ XXXX. Comps were submitted and I never heard back from them. The {$600.00} appraisal fee that I paid should be returned. If I knew how high the appraisal would have to come in, I would have never moved forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
CREDIT BUREAUS USING EMPLOYER INFORMATION ON 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 non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am the victim of identity theft. Multiple fraudulent accounts were opened in my name without my authorization. I did not apply for, open, or benefit from these accounts. 



On XX/XX/year>, I filed a police report with the XXXX Police Department ( Report No. XXXX ) and an official Identity Theft Report with the Federal Trade Commission ( FTC Report No. XXXX ). Both reports document the fraudulent accounts and certify that I am not responsible for them. 



Despite providing these documents to the credit bureaus, the following accounts are still being reported as if they are valid debts : XXXX  XXXX Account ending in XXXX {$630.00} XXXX XXXX Account ending in XXXX {$1700.00} Discover Card Account ending in XXXX {$7600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX fl XXXX ] [ XX/XX/year> ] XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ] [ City, State, ZIP ] Re : Request for Debt Validation [ Account/Reference Number ] XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal dispute of the alleged debt referenced above, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Under 1692g ( b ), upon receipt of this written notice, you are required to : Cease all collection activity until you have mailed me the following : Verification and validation of the alleged debt.

A copy of any judgment, if applicable. 
The name and address of the original creditor. 
Provide complete documentation showing that you have the legal right to collect on this debt, including the original signed agreement or contract with my signature. 
Please be advised that a mere itemized statement or bill is not sufficient validation under the law. Until the above is provided, you must immediately stop all collection activity, including but not limited to reporting this account to any credit reporting agency. 

If you fail to comply with the requirements of 15 U.S.C. 1692g, you will be in direct violation of federal law, and I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and take legal action to protect my rights. 

This notice is sent in good faith with the intent to exercise my rights under the FDCPA. I expect your full compliance within the timeframes required by law. 

Sincerely, [ 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 2025-08-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX reported a collection account for {$490.00} to all three credit bureaus. After I disputed the account and requested verification/validation, XXXX did not provide the documentation I requested. Instead, on XX/XX/year>, XXXX sent me a letter confirming the account is closed, balance {$0.00}, and that all collection activity has ceased. 

NOTE : the envelope used was presorted bulk mail with no mailing date, and I did not receive the letter until XX/XX/year>. This raises concerns that XXXX misrepresented the timeliness of their response. Despite this closure, XXXX continues to furnish this account to TransUnion as an active collection with a balance. This is inconsistent, inaccurate, and unlawful. 

XXXX has already removed this account from XXXX  and XXXX, but it is still reporting on TransUnion. This is inconsistent and inaccurate. If XXXX closed the account and removed it from two bureaus, it can not continue to report it to TransUnion. 

I am requesting that TransUnion immediately delete the XXXX tradeline 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 non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I had purchased a non-refundable XXXX  ticket from XXXX to fly to XXXX with my parents. 

Due to being XXXX XXXX military, it had to be cancelled XX/XX/year>. 

I had used uplift to pay installments on the ticket. I contacted XXXX XXXX. They granted me {$790.00} as future flight credit instead of a refund due to it being a non-refundable. I asked them to contact uplift and I was told somone in the system would do it. 

XXXX XXXX then refunded me a total of {$120.00} for the purchase of my seats Uplift continued to charge me the full installments for the {$1100.00} for the next XXXX  months. I tried contacting uplift countless times to no response through their messaging system. 

I eventually had to give up due to the stress of financial burden taking a toll on my health. 

Despite this cancellation, Uplift : - Continued billing me for the full loan amount over XXXX months. 
- Failed to provide an adequate explanation when I contacted support multiple times. 
- Never paused the loan, applied offsets, or advised me of any remedies despite the canceled trip. 

This resulted in a financial loss : - I fully repaid {$1100.00} for a trip I never took. 
- I only received {$790.00} in XXXX XXXX XXXX, which is not equivalent to cash.

Im only processing this now as I recently bought another XXXX ticket and am dealing with XXXX and uplift not communicating to process XXXX more canceled tickets. Both canceled within a hour of purchase due to the wrong flights. Then I rebooked with uplifts payment plan and noticed my previous flights are still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have reached out and sent proof of errors on my consumer report. I have been patient and believed that they would do their job and fix their errors. They have not. It's been over 3 months and i've given multiple times for them to correct or delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We have attempted XXXX times to have the son added as a power of attorney on the mother 's credit card accounts, and XXXX times it was rejected. The rejection letters say the require an original signed copy and an original notary seal. We provided XXXX times " wet signatures '' of the account holder and the Bank of America senior banker that notarized the copy. The credit call center says to visit a Bank of American branch to notarize which we did. The branch however says they can only provide notary services and that the credit card call center handles the actual document. I have called the call center XXXX times and there is an obvious disconnect between the call center and the internal department that is reviewing the document - the two are unable to connect.

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 2025-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I already sent a complaint, I was told the company reached out to me, however In actuality I was never contacted, For some reason my PayPal account was suspended without explanation when told to open a new account with a new email which I did right after using it I was suspended also without explanation I received about {$190.00} on the second email.

On the first email I received a few different amounts and I have about {$75.00} stuck in that account without a way of getting it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I am filing my another complaint regarding Experian 's blatant, willful, and ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), despite multiple prior complaints filed through this CFPB portal resulting in what can only be described as a sham investigation process. 

The issue is with a specific tradeline : XXXX XXXXXXXX ( Account # XXXX ). This debt was XXXX in XXXX XXXX XXXX XXXX XXXXXX/XX/2024. This is a legal fact that Experian has verified multiple times. 

My dispute is, and always has been, simple and clear : Experian is not reporting the post-discharge status of this account accurately. I am NOT, as Experian incorrectly presumes and tells this Bureau, seeking its deletion. I demand it be reported accurately. 

The specific inaccuracies Experian refuses to correct are : Incorrect Status & Balance : The account is listed as " Closed. {$4000.00} written off. '' This is false and misleading. A discharged debt is not " written off '' ; it is extinguished by federal court order. It must report a {$0.00} balance with the status " Discharged in Bankruptcy. '' Duplicate & Misleading Reporting : The report lists XXXX XXXX as the creditor but notes it was " sold '' to XXXX A discharged debt can not be reported by a debt buyer as a collectible obligation. This creates a misleading double-negative on my report. 

Incorrect Payment History : The report shows late payments ( " 30, '' " 60, '' " 90, '' " CO '' ) after the bankruptcy was filed. When a bankruptcy is filed, an automatic stay is imposed. Reporting these late payments is inherently inaccurate. 

THE CORE OF THIS COMPLAINT IS EXPERIAN 'S AND THE CFPB PROCESS 'S FAILURE : Despite FIVE previous successful CFPB complaints that resulted in Experian being formally notified of this error, they have done nothing. Their " investigations '' are a farce. They have a verified legal document ( the bankruptcy discharge order ) and my clear, repeated instructions. 

Each time, Experian closes the CFPB complaint with a response stating they have " verified '' the account and taken no action, operating under the demonstrably false premise that I am seeking deletion. They are either incapable of reading a dispute or are intentionally mischaracterizing it to avoid their legal obligations. 

The CFPB 's own process is failing to protect consumers when a credit reporting agency simply ignores its directives. Sending the same dispute through the same channel for a sixth time is the definition of insanity. The CFPB must now take more severe 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 explanation
Consumer complaint received 2025-08-24 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail Return Receipt Requested To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting Vehicle Loan To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the inaccurate reporting of a vehicle loan on my credit file.

I am not legally responsible for this debt. My Final Divorce Decree, issued on XX/XX/XXXX, assigns full financial responsibility for this vehicle loan to my ex-spouse, XXXX XXXX XXXX XXXX, and orders that my name be removed from the loan. This court order is binding and makes it clear that I have no obligation to pay this debt. 

I have also filed a new restraining order and a contempt of court action with the judge against my ex-spouse for failing to comply with the divorce decree and for deliberately abandoning the vehicle, causing this debt to appear on my credit file. I have been a victim of XXXX  XXXX since XXXX, and this action was done maliciously and illegally to cause me financial harm. 

Despite having provided the lender with a copy of the court order and requested removal of my name, they have failed to comply and continue to furnish false information. Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. Continuing to report this account in my name after receiving documented proof is a clear violation of the FCRA. 

I demand the immediate removal of this account from my credit file. Please conduct a reinvestigation, contact the furnisher, and delete this inaccurate information within 30 days of receipt of this dispute, as required by FCRA 1681i ( a ). 

Enclosures : Copy of Final Divorce Decree ( XX/XX/XXXX ) Copy of restraining order Proof of contempt of court filing Copy of my government-issued ID Proof of current address Copy of recent credit report showing the disputed account Please send written confirmation once this account has been deleted. 

Sincerely, XXXX XXXX If you want, I can now adapt this into a version for the lender/finance company so youre hitting both the credit bureaus and the furnisher directly that way they cant ignore your dispute.

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 2025-08-24 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Via Certified Mail Return Receipt Requested To : Equifax Information Services, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute of Inaccurate Credit Reporting Vehicle Loan To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the inaccurate reporting of a vehicle loan on my credit file.

I am not legally responsible for this debt. My Final Divorce Decree, issued on XX/XX/XXXX, assigns full financial responsibility for this vehicle loan to my ex-spouse, XXXX XXXX XXXX XXXX, and orders that my name be removed from the loan. This court order is binding and makes it clear that I have no obligation to pay this debt. 

I have also filed a new restraining order and a contempt of court action with the judge against my ex-spouse for failing to comply with the divorce decree and for deliberately abandoning the vehicle, causing this debt to appear on my credit file. I have been a victim of XXXX  XXXX since XXXX, and this action was done maliciously and illegally to cause me financial harm. 

Despite having provided the lender with a copy of the court order and requested removal of my name, they have failed to comply and continue to furnish false information. Under FCRA 1681s-2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. Continuing to report this account in my name after receiving documented proof is a clear violation of the FCRA. 

I demand the immediate removal of this account from my credit file. Please conduct a reinvestigation, contact the furnisher, and delete this inaccurate information within 30 days of receipt of this dispute, as required by FCRA 1681i ( a ). 

Enclosures : Copy of Final Divorce Decree ( XX/XX/XXXX ) Copy of restraining order Proof of contempt of court filing Copy of my government-issued ID Proof of current address Copy of recent credit report showing the disputed account Please send written confirmation once this account has been deleted. 

Sincerely, XXXX XXXX If you want, I can now adapt this into a version for the lender/finance company so youre hitting both the credit bureaus and the furnisher directly that way they cant ignore your dispute.

Company response to consumer: Closed with non-monetary relief