vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
In XXXX ' XXXX, I received a letter from Aidvantage that my student loans will be discharged within XXXX  days. It's now XXXX and the student loans are still on my credit reports. I'm requesting Aidvantage to honor the documentation that I received to discharge my student loans and remove them from my credit reports as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
There are XXXX delinquent accounts on my credit report that are not mine. I found out that the accounts belonged to my daughter. 

My daughter contacted the company, to confirm that the accounts belonged to her. She was informed by Affirm in XX/XX/year>, that they would send her forms to complete to transfer the accounts to her. As of today, they have not done the transfer to her account, and I have continued to dispute the accounts with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-08 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: TN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Uprova Credit, LLC
State: CA

Complaint narrative:
I previously filed a complaint regarding Uprovas refusal to provide a loan breakdown, honor my hardship-based settlement request, or confirm my account status in writing. Uprova responded to the CFPB with false and misleading statements, claiming they addressed my concerns and offered resolution. That is not true.

Despite multiple written requests sent by email, Uprova never provided a written loan breakdown showing principal, interest, payments made, or remaining balance. They also refused to offer a hardship-based settlement or Paid in Full resolution in writing, instead repeatedly instructing me to call their customer service line even though I made it clear that I could only proceed in writing for documentation and legal clarity.

When I escalated the matter through the CFPB, their formal response falsely implied the issue was resolved. I have saved copies of their emails and the CFPB response they submitted, which clearly misrepresent the facts. This is a violation of good faith business practices, and it obstructs my ability to settle the account fairly while facing financial hardship.

At this point, I am filing a new complaint due to Uprovas submission of false information to the CFPB, refusal to resolve my case in writing, and repeated efforts to sidestep regulatory review. I am requesting the CFPB review this new filing and intervene to compel Uprova to : 1. Provide a full written loan breakdown 2. Offer a hardship-based settlement or confirm the account as Paid in Full 3. Cease deceptive communications and comply with all written documentation requests

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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: CT

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Revco Solutions , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXX Amount : {$290.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX Dear Revco Solutions, This letter is being sent to you in response to your attempt to collect a debt. Please be advised that I am requesting the validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I do not acknowledge this debt and request that you provide the following information : XXXX. Proof that I owe the debt, including a copy of the original signed agreement or contract. 
XXXX. The name and address of the original creditor. 
XXXX. A complete account history, including the amount of the alleged debt, any interest, fees, or other charges. 
XXXX. Proof of your legal authority to collect this debt, including documentation that Revco Solutions is licensed in my state ( if required ). 
XXXX. A copy of the judgment, if applicable. 
XXXX. Proof that notification of debt was provided to me at my home address. 

Until this information is provided, please cease all collection efforts and stop reporting this account to any credit reporting agencies, as doing so without validation is a violation of federal law. 

If you do not provide the requested validation within XXXX  days of your receipt of this letter, or continue collection activities without verifying the debt, I will consider your actions a violation of the FDCPA and will report your organization to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general 's office. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CT

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: AL

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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
In the summer of XXXX ( XXXX or XXXX ), I was asked to verify my identity with Affirm. I completed the verification and was able to access my account again, including the ability to apply for new loans. 

However, around XXXX or XX/XX/XXXX, my account was suddenly locked due to what Affirm described as suspicious activity. I was told there would be an investigation that could take about a month. I waited and followed up multiple times via email and phone. 

In XX/XX/XXXX, I received responses from Affirm stating that they were unable to verify my identity and that my account would remain locked. They also stated that I would no longer be responsible for any outstanding loans. 

Despite this, Affirm continued to withdraw payments from my XXXX ending in XXXX while I was locked out and unable to monitor or manage my account. Some examples include : {$15.00} on XX/XX/XXXX {$15.00} on XX/XX/XXXX These charges were related to a purchase made through XXXX, but I had no access to view or manage them during that time. I did not receive a full breakdown of the activity on my account or have the opportunity to dispute or cancel anything. 

As of XX/XX/XXXX, I am still locked out. When I attempt to log in, I receive a message saying that my account has been locked due to suspicious activity and that I need to call to verify my identitysomething I have already done. 

I am requesting the following : A complete loan and transaction history from XXXX through XX/XX/XXXX A refund for any payments that were withdrawn after my account was locked The opportunity to verify my identity and restore account access Written confirmation of my account status, including whether I currently owe anything This situation has caused confusion, frustration, and a lack of financial clarity. I have made multiple efforts to resolve this directly with Affirm and am now seeking the CFPBs assistance to reach a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was in the XXXXXXXX due to XXXX XXXX and i gave my property to some family member and my card was used and i called it in and submitted documents stating i was in the XXXX  and this bank has denied my claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: NY

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 explanation
Consumer complaint received 2025-07-08 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: TX

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 third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 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 non-monetary relief
Consumer complaint received 2025-07-08 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: CA

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

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 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 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

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( XX/XX/XXXX), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section XXXX ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
Beginning in XX/XX/XXXX I reached out to XXXX XXXX to refinance my home. My specific item was a PACE lien on my property taxes.

The refinance was slated to be done through SunWest Mortgage.

The FHA mortgage payment was determined to be {$2100.00} for 6 months than a streamline FHA. 
Closing was in XX/XX/XXXX. A lien for HUD was to be paid off. It was determined that was the PACE lien. Weeks after closing, the incidental items that were to be paid were not paid. Nor was the PACE lien. 
I reached out and discovered that the incidental checks were supposed to be in with the final closing documents and they were not. The checks were immediately cut and mailed to me, but that resulted in over {$1000.00} in additional fees/interest. 
I reached out for the PACE lien information- it was not paid off. I asked SunWest where the PACE lien payoff was. I was sent the cancelled HUD lien check. My mortgage is nearly {$2600.00} due to this. ( PACE lien on my property taxes raising my escrow nearly {$500.00} a month ) I reached out to XXXX, who contacted the title company. There were two liens - HUD was from a COVID abatement- I was unaware HUD placed the lien and not the prior mortgage company. The title company advised that they missed the lien and to file a claim with their insurance company, XXXX. In XXXX, I filed a claim with XXXX and was informed I was not the named insured and SunWest had to file the claim.

SunWest sent an email that per their records there was no PACE lien in place when closing took place. This lien was placed on the property 2 years before the refinance. it was my sole reason for refinancing the property.

I reached out to SunWest on XX/XX/XXXX. They have refused to file a claim with the title company. I have been told the claim was filed, then it wasn't, spoken to 8 different associates with SunWest. I have been promised call backs, and information. Neither has every materialized.

I am in an FHA loan with an outstanding PACE lien at closing. I refinanced with the sole intention of not having a PACE lien after closing. I was not aware the PACE lien was not going to be cleared at closing. I need to streamline refinance and can not due to the PACE lien outstanding. 
On XX/XX/XXXX, I reached out to SunWest advising them to file the claim. I have received another correspondence requesting more time for a resolution today. 4 months is beyond a reasonable amount of time to determine what we already have on a recorded line. The title company missed the lien. SunWest placed me in an FHA mortgage without paying off the PACE lien. I can not streamline the mortgage in XXXX due to the PACE lien. I am in a mortgage I can not affored - {$500.00} higher than promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am a victim of XX/XX/XXXX. The information listed below, which appears on my credit report, is the result of that XX/XX/XXXX 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XX/XX/XXXXXX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

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 2025-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
XX/XX/year>, tried to withdraw approximately XXXX held in the account to pay my bills for the week. 

Was my immediately restricted and received zero follow up... Still waiting to hear from them how to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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