vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I noticed my credit scores dropped XXXX points from the DEPT OF ED AIDVANTAGE  on XXXX accounts, this is unfair, misleading and inaccurate along with FRUAD. How can the XXXX XXXX Aidvantage  mark me late for 30 days but when you read my credit report from XXXX, XXXX  and XXXX  it marks me 90 days PAST DUE. This is unfair the following accounts where listed being 90 days past due but they where not. I have reside at the same employment, address and email since the following accounts were open. DEPT OF ED XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all of which are duplicate accounts. I have tried reaching out to both the credit bureaus and department of ed aidvantage and no one has been able to assist me, I feel this is unfair and fraud, no one forward me an email, no one called my telephone number which ahs been the same telephone number for ten years and no one tried to forward documents such as letters via regular mail. Again please assist me to removing the ONE LATE PAYMENT FROM XXXX WHICH READS FRAUDULENTLY ON MY CREDIT REPORT 90 DAYS BEHIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Greetings, When I was in the high school, my parents froze my credit history at all three companies. Since I was a minor, they did so with my consent. 

Now that I have turned XXXX, I want to unfreeze my credit history. None of the three companies seem to help me. When I call them, they either say i ) mail the request letter with documentation. 
ii ) I do not have a credit history to unfreeze. 

However, when I try to open a credit card, the company tell me that my credit history is frozen. 

I have emailed Transunion multiple times ( see attached evidence ) and sent hard copy letters to all three companies, but seems no one is able to help. The customer service representative ( who takes XXXX to XXXX minutes ) to reach, has no idea how to help me as they never got training on how to help me. In fact, one of the representatives from Transunion himself told me so. 

Can you please help unfreeze my credit history at all three companies? 

Please call, email, or text me if I can provide more information. 

PS : In 2025, should customer service not be a the top most priority for the companies? Seems all three credit bureaus are neither safeguarding our information nor providing service.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Greetings, When I was in the high school, my parents froze my credit history at all three companies. Since I was a minor, they did so with my consent. 

Now that I have turned XXXX, I want to unfreeze my credit history. None of the three companies seem to help me. When I call them, they either say i ) mail the request letter with documentation. 
ii ) I do not have a credit history to unfreeze. 

However, when I try to open a credit card, the company tell me that my credit history is frozen. 

I have emailed Transunion multiple times ( see attached evidence ) and sent hard copy letters to all three companies, but seems no one is able to help. The customer service representative ( who takes XXXX to XXXX minutes ) to reach, has no idea how to help me as they never got training on how to help me. In fact, one of the representatives from Transunion himself told me so. 

Can you please help unfreeze my credit history at all three companies? 

Please call, email, or text me if I can provide more information. 

PS : In 2025, should customer service not be a the top most priority for the companies? Seems all three credit bureaus are neither safeguarding our information nor providing service.

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 2025-07-27 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: IL

Complaint narrative:
On several occasions, I requested payment history for all accounts! I asked collection companies to send original signed contract with them or remove account! I asked that my missed payments be removed and corrected with XXXX! I asked accounts that wasnt verified or updated inaccurate too be removed withon 30days of each letter since there are many violations of 15 U.S.Codes!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am disputing medical debt that is over XXXX XXXX XXXX and still appearing on my credit report. 

This account has been sold to multiple collection agencies over the years, but the original date of delinquency is well beyond the XXXX reporting limit set by the Fair Credit Reporting Act ( FCRA ). 

This account is being improperly re-aged each time it is sold. This is a violation of the FCRA. 

I have attempted to dispute this with the credit bureaus and collection agencies, but the account continues to appear. I am requesting that the CFPB take action to ensure this account is removed from all credit reports immediately and that these companies stop illegal re-reporting practices. 

Please investigate this matter as it is affecting my financial stability.

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have contacted the institution on numerous occassions asking them to provide me with proper consent that was was provided by me due to my information being brought, traded and sold without my consent for monetary gain and the companies have yet to respond back to my requests so therefore I am asking for these items to be removed from XXXX XXXX XXXX XXXX XXXX. This account was paid off in good standings however when reapplying im being denied and no one can seem to provide with why i am unable to open a new account.

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 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/year> I had a negative account added to my credit report that doesnt belong to me.I have contacted Jefferson Capital multiple times to let them know that this account doesnt belong to me and please stop reporting it to my credit report. They continue to report information that doesnt belong to me every month and will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
i filed a XXXX disputes with affirm.com about fraudlent loans that was made when i was in XXXX, XXXX. I told affirm.com that i was kidnapped and robbed when i was XXXX and the robbers forced me to make the fraudulent loans with affirm.com. Loan # XXXX for {$820.00} and Loan # XXXX for {$910.00}. I have given them the XXXX police report number and contact information. After giving affirm the information they denied my dispute in less than one hour. I filed another dispute because of this because i asked them how can they make that determination without speaking to the XXXX police department and the investigation of me being kidnapped and robbed is still under investigation. They continue to give the same denial response and never address the facts of my disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
To : Experian | Equifax | TransUnion XXXX XXXX XXXX XXXX XXXXXXXX  for each bureau Subject : Formal Dispute Multiple Accounts with Inaccurate or Fraudulent Reporting I am writing to dispute the accuracy of the twelve accounts listed below, all of which contain false, unverifiable, or conflicting information that violates federal law and industry standards.

Below is a summary table of each account with specific violations and requested actions : Creditor ( Account # ) Problems with Reporting Violation ( FCRA/FDCPA/Metro2 ) Case Law XXXX XXXX XXXX XXXX XXXX ( XXXX ) Inaccurate last payment, false first delinquency dates, improperly charged-off FCRA 1681i, 623 ; FDCPA 809 ; Metro2 inconsistent payment history/status Cushman v. Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two late payments reported incorrectly on closed account FCRA 1681e ( b ) ; FDCPA 1692e ; Metro2 rating error Dennis v. BEH1 LLC XXXXXXXX XXXX XXXX ( XXXX ) Collection reported, unverifiable balance, disputed previously FCRA 623 ; FDCPA 1692e ( 8 ) ; Metro2 furnishing issue Evory v. RJM COLLECTION MANAGEMENT ( XXXX ) Collection item not mine, unauthorized debt, fraud FCRA 605B ; FDCPA 809 ; Metro2 identity misuse Cushman v. Trans Union XXXX XXXX XXXXXXXX ( XXXX ) Ongoing late payments despite dispute, no validation provided FCRA 611 ; FDCPA 1692e ; Metro2 failure to correct Cushman v. Trans Union XXXX XXXX XXXX ( XXXX ) Inaccurate delinquency balance/reporting Same as above Dennis v. BEH1 LLC XXXX XXXX ( XXXX ) Fraudulent account I never opened, made no payments FCRA 1681c2 ; FDCPA 1692e ; Metro2 identity theft rules Cushman v. Trans Union XXXX XXXX XXXX XXXX ) Same as above unauthorized account tied to XXXX XXXX XXXX Same violations Cushman v. Trans Union DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Late payments reported during federal deferment/forbearance FCRA 623 ; Metro2 Field 17A misreporting ; FDCPA 809 Higher Ed. Act 1080a ; XXXX  XXXX XXXX XXXX ( XXXX ) False 30-day lates on active account, inconsistent history FCRA 623 ; FDCPA 809 ; Metro2 Field17 rating mixup Dennis v. BEH1 LLC XXXX XXXX XXXX XXXX ( XXXX ) Charge-off and collection status overlap numerous months, re-aging debt FCRA 1681e ; Metro2 re-aging violations ; FDCPA 1692e Evory v. RJM XXXX XXXX ( XXXX ) Multiple reported lates long after paidoff status, reaging issues FCRA 602, 1681e ( b ) ; Metro2 double reporting ; FDCPA 1692e Cushman v. Trans Union THE LAW IS THE LAW.... I WILL SEEK LITIGATION FOR DAMAGES

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To : Experian | Equifax | TransUnion XXXX XXXX XXXX XXXX XXXXXXXX  for each bureau Subject : Formal Dispute Multiple Accounts with Inaccurate or Fraudulent Reporting I am writing to dispute the accuracy of the twelve accounts listed below, all of which contain false, unverifiable, or conflicting information that violates federal law and industry standards.

Below is a summary table of each account with specific violations and requested actions : Creditor ( Account # ) Problems with Reporting Violation ( FCRA/FDCPA/Metro2 ) Case Law XXXX XXXX XXXX XXXX XXXX ( XXXX ) Inaccurate last payment, false first delinquency dates, improperly charged-off FCRA 1681i, 623 ; FDCPA 809 ; Metro2 inconsistent payment history/status Cushman v. Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two late payments reported incorrectly on closed account FCRA 1681e ( b ) ; FDCPA 1692e ; Metro2 rating error Dennis v. BEH1 LLC XXXXXXXX XXXX XXXX ( XXXX ) Collection reported, unverifiable balance, disputed previously FCRA 623 ; FDCPA 1692e ( 8 ) ; Metro2 furnishing issue Evory v. RJM COLLECTION MANAGEMENT ( XXXX ) Collection item not mine, unauthorized debt, fraud FCRA 605B ; FDCPA 809 ; Metro2 identity misuse Cushman v. Trans Union XXXX XXXX XXXXXXXX ( XXXX ) Ongoing late payments despite dispute, no validation provided FCRA 611 ; FDCPA 1692e ; Metro2 failure to correct Cushman v. Trans Union XXXX XXXX XXXX ( XXXX ) Inaccurate delinquency balance/reporting Same as above Dennis v. BEH1 LLC XXXX XXXX ( XXXX ) Fraudulent account I never opened, made no payments FCRA 1681c2 ; FDCPA 1692e ; Metro2 identity theft rules Cushman v. Trans Union XXXX XXXX XXXX XXXX ) Same as above unauthorized account tied to XXXX XXXX XXXX Same violations Cushman v. Trans Union DEPT OF EDUCATIONXXXX XXXX XXXX XXXX Late payments reported during federal deferment/forbearance FCRA 623 ; Metro2 Field 17A misreporting ; FDCPA 809 Higher Ed. Act 1080a ; XXXX  XXXX XXXX XXXX ( XXXX ) False 30-day lates on active account, inconsistent history FCRA 623 ; FDCPA 809 ; Metro2 Field17 rating mixup Dennis v. BEH1 LLC XXXX XXXX XXXX XXXX ( XXXX ) Charge-off and collection status overlap numerous months, re-aging debt FCRA 1681e ; Metro2 re-aging violations ; FDCPA 1692e Evory v. RJM XXXX XXXX ( XXXX ) Multiple reported lates long after paidoff status, reaging issues FCRA 602, 1681e ( b ) ; Metro2 double reporting ; FDCPA 1692e Cushman v. Trans Union THE LAW IS THE LAW.... I WILL SEEK LITIGATION FOR DAMAGES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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:
Subject : Request for Investigation and Removal of Inaccurate Information in Credit Report Dear Transunion, Experian, & Equifax, I am writing to dispute certain inaccurate and/or incomplete information contained in my credit report as per my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit file, I have identified the following information that is either incorrect or incomplete and should be deleted immediately to ensure the accuracy of my credit report. 

Account Information to Be Disputed : Creditor Name : XXXX XXXX Account Number : XXXX XXXX XXXX Description of the Inaccuracy : I do not owe collection. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Description of the Inaccuracy : I do not owe collection. 

Creditor Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Description of the Inaccuracy : I do not owe collection. 

Under the FCRA, you are required to ensure that the information reported on consumers is accurate and complete. If you are unable to verify the accuracy of the information in question, it must be deleted from my credit file. I request that you investigate this matter promptly and correct or remove the inaccurate information. 

Please provide me with written confirmation that the investigation has been completed and the necessary corrections have been made. 

Enclosed are copies of screenshot of collection I expect to receive a response within the 30-day timeframe, as required by the FCRA, confirming the removal or correction of the disputed information. 

Thank you for your prompt attention to this matter. I look forward to your response and to a swift resolution. 

Sincerely, XXXX XXXX Enclosures : Screenshot of collection.

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 2025-07-27 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: NC

Complaint narrative:
I have been a victim of identity theft for than ten years now. I have reported this to the police, social security administration. I have been working constantly months after months, year after year to fix all of these issues. I don't know what else to do. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: IL

Complaint narrative:
Letter dated XX/XX/XXXX from Credit Management Company that I owe {$1400.00} and offered to settle for a lesser amount. I did not recognize original creditor ( XXXX of XXXX  ) and asked for debt verification. Debt verification sent by debt collector XX/XX/XXXX attached below gave date of service ( XX/XX/XXXX ) and location of service ( Franciscan Health, XXXX, XXXX ). I called my insurance XXXX. The original creditor never billed my insurance for the service. This was verified by the XXXX agent XXXX on a phone call ( Reference number for phone call XXXX ) If the original creditor never billed my insurance company in a timely manner, then I should not have to pay for their negligence. XXXX XXXX XXXX  seems to have filed for bankruptcy in early XXXX. Please check if this is an illegal attempt to seek monies not owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

XXXXXXXX XXXX XXXX  - XX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report. 

XXXX XXXX - XX/XX/XXXX - This inquiry is reporting not accurately on my report - The following inquiry was not accurately on my report. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry is reporting not accurately on my report- The following inquiry was not accurately on my report. 

Please see the above inquiries as well.

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