vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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:
In XXXX, I discovered fraudulent accounts from XXXX XXXX and XXXX XXXX  on my credit report. I disputed these items, and they were removed based on identity theft documentation. 

However, in XX/XX/XXXX, both accounts were reinserted into my credit file without my knowledge or consent. I did not receive written notice of reinsertion, nor was I provided with the name, address, or phone number of the furnishers who certified the reinserted data, as required by the Fair Credit Reporting Act ( FCRA ). 

This reinsertion occurred despite my prior documentation, including an FTC Identity Theft Report ( Report # XXXX ), and included fraudulent employment information ( XXXX XXXX, XXXX ), which is also incorrect. 



2. What laws were violated?

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Credit bureaus must notify the consumer within 5 business days of any reinsertion of previously deleted information and disclose the furnishers full contact details.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not provide information that is known to be inaccurate or previously disputed as fraudulent.

15 U.S.C. 1681c-2 : Consumer reporting agencies must block identity theft-related information when a valid FTC Identity Theft Report is submitted.

15 U.S.C. 1681n and 1681o : Provide legal remedies for willful and negligent noncompliance, including damages. 



3. What would be a fair resolution to this issue? 

Permanently delete the fraudulent accounts from XXXX XXXX and XXXX XXXX  from all credit reporting agencies. 

Provide a written explanation of : Who certified the reinserted information ; Why I was not notified as required by FCRA XXXX ( a ) ( XXXX ) ( B ) ; The date the reinsertion occurred. 

Correct all credit reporting damage caused by the reinsertion, including removal of false employment information ( XXXX XXXX, XXXX ) and adjustment to my credit score. 

Provide assurance that these accounts will not be re-reported again unless certified through proper legal procedure. 

If any party acted willfully or negligently, I request appropriate damages or enforcement actions under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: CO

Complaint narrative:
I am filing this complaint due to continued non-responsiveness by both my federal loan servicer ( Aidvantage ) and the U.S. Department of Educations Federal Student Aid ( FSA ) office following a formal referral issued by the Department of Educations Office of Inspector General ( OIG ). 

On XX/XX/XXXX, the OIG closed its case ( XXXX ) and directed me to re-engage FSA regarding unresolved issues involving : A misassigned XX/XX/XXXXFFELP Stafford loan for a school I never attended ( XXXX XXXX XXXX ) A XXXX refund failure following withdrawal from The XX/XX/XXXXXXXX XXXX XXXX In accordance with the OIG directive, I filed a new complaint with XXXX on XX/XX/XXXX ( FSA Case # XXXX ). To date, I have received no response from FSA or Aidvantage. 

On XX/XX/XXXX, Aidvantage posted a generic delay notice in their portal ( Document Code XXXX : FOREIGN ADDRESS-AUDIT ) that did not reference my complaint, the OIG referral , or the supporting documents already submitted. This appears to be a boilerplate stall tactic. 

My prior CFPB complaint ( # XXXX ) was closed without resolution, despite multiple contradictory and unsupported denials issued by Aidvantage in XX/XX/XXXX. XXXX, whom Aidvantage referred me to, disclaimed all responsibility in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ALL 3 CREDIT BUREAS ARE REPORTING CHILD SUPPORT PAYMENTS ON MY CONSUMER REPORT THAT IS ILLEGAL ACCORDING TO 15 USC 1681B ( a ) ( 4 ) PERMISSIBLE PURPOSES OF CONSUMER REPORTS. THE CONSUMER REPORT WILL BE KEPT CONFIDENTIAL, WILL BE USED SOLELY FOR THE PURPOSE DESCRIBED IN SUBPARAGRAPH ( a ) - the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments. WILL NOT BE USED IN CONNECTION WITH ANY OTHER CIVIL, ADMINISTRATIVE, OR CRIMINAL PROCEEDING, OR FOR ANY OTHER PURPOSE.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
I disputed a {$1900.00} transaction on my credit card because I thought it was a duplicate payment for my HOA fees. 

After speaking with a Navy Federal representative, they stated their investigation proved it wasn't related to HOA fees. 

Once I learned the transaction was not for my HOA fees as I originally thought. I notified Navy Federal that the transaction was fraudulent. 

Since then, I've requested a refund and that the charge be removed from my credit card account. 

I was told it could take 120 days for the dispute/claim to be converted to a fraud claim. 


I know that this information is an infringement on my consumer rights. 

The economic conditions aren't ideal as is and my financial institution is adding additional stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-15 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : DPT EDXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT ED/AIDV XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT ED/XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am reporting Transworld Systems Inc. for continuing to report a collection on my credit report that I have disputed multiple times. This account lacks proper verification and violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The account was reported to Experian as opened on XX/XX/year>2025, for an original balance of {$880.00} with no supporting documentation or validation provided. I submitted prior disputes, but no full investigation or documentation of the debt was given. 

They are actively reporting the account as in collection with a past due amount of {$880.00} as of XX/XX/scrub> 2025, but this reporting lacks legal foundation and compliance. No itemized statement, chain of assignment, or original contract has been sent. The burden of proof lies with the furnisher and collector, and they have failed to meet that burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-15 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:
I am filing this complaint against XXXX XXXX  XXXX regarding a recent negative credit reporting. I made my XX/XX/XXXX mortgage payment on XX/XX/XXXX at XXXX XXXX  EST, which I have proof of via a payment receipt timestamped XX/XX/XXXX which is attached. 

XXXX XXXX  has an internal cutoff time of XXXX XXXX  EST for same-day payment posting that I did not know about. Because my payment was processed at XXXX XXXX  only 21 minutes past their arbitrary internal cutoff they posted the payment on XX/XX/XXXX and subsequently reported me 30 days delinquent to the credit bureaus. 

I have been paying my mortgages on time since my first real estate purchase on XXXX of XXXX & this action is extremely damaging to my credit and does not fairly reflect my intent or effort to pay on time. I was not truly 30 days late. I paid the amount on the correct due date, and I should not be penalized for the system not posting it due to an inflexible automated time window. 

XXXX XXXX  has refused to amend or remove the derogatory remark, even as a goodwill gesture. I believe this reporting does not reflect the spirit of the Fair Credit Reporting Act ( FCRA ), as it mischaracterizes my payment behavior due to a technicality.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX  XXXX regarding a recent negative credit reporting. I made my XX/XX/XXXX mortgage payment on XX/XX/XXXX at XXXX XXXX  EST, which I have proof of via a payment receipt timestamped XX/XX/XXXX which is attached. 

XXXX XXXX  has an internal cutoff time of XXXX XXXX  EST for same-day payment posting that I did not know about. Because my payment was processed at XXXX XXXX  only 21 minutes past their arbitrary internal cutoff they posted the payment on XX/XX/XXXX and subsequently reported me 30 days delinquent to the credit bureaus. 

I have been paying my mortgages on time since my first real estate purchase on XXXX of XXXX & this action is extremely damaging to my credit and does not fairly reflect my intent or effort to pay on time. I was not truly 30 days late. I paid the amount on the correct due date, and I should not be penalized for the system not posting it due to an inflexible automated time window. 

XXXX XXXX  has refused to amend or remove the derogatory remark, even as a goodwill gesture. I believe this reporting does not reflect the spirit of the Fair Credit Reporting Act ( FCRA ), as it mischaracterizes my payment behavior due to a technicality.

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 2025-07-15 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:
I am filing this complaint against XXXX XXXX  XXXX regarding a recent negative credit reporting. I made my XX/XX/XXXX mortgage payment on XX/XX/XXXX at XXXX XXXX  EST, which I have proof of via a payment receipt timestamped XX/XX/XXXX which is attached. 

XXXX XXXX  has an internal cutoff time of XXXX XXXX  EST for same-day payment posting that I did not know about. Because my payment was processed at XXXX XXXX  only 21 minutes past their arbitrary internal cutoff they posted the payment on XX/XX/XXXX and subsequently reported me 30 days delinquent to the credit bureaus. 

I have been paying my mortgages on time since my first real estate purchase on XXXX of XXXX & this action is extremely damaging to my credit and does not fairly reflect my intent or effort to pay on time. I was not truly 30 days late. I paid the amount on the correct due date, and I should not be penalized for the system not posting it due to an inflexible automated time window. 

XXXX XXXX  has refused to amend or remove the derogatory remark, even as a goodwill gesture. I believe this reporting does not reflect the spirit of the Fair Credit Reporting Act ( FCRA ), as it mischaracterizes my payment behavior due to a technicality.

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 2025-07-15 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:
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 NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/scrub>/2022, Balance : {$6700.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2022, Balance : {$13000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
See the attached documents.See the attached documents.

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 2025-07-15 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: TX

Complaint narrative:
I am writing to dispute a collection account that was wrongfully added to my credit file. I did not authorize this account, nor do I have any knowledge or responsibility for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as US BKPT CT XXXXVERIFIED AS REPORTED has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court The United States Bankruptcy Court for the District of Maryland that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX 2. XXXX/XXXX 3 XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX  XXXX 7. XXXX XXXXL 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: The CBE Group, Inc.
State: TX

Complaint narrative:
I NOTICED WHEN I TRIED PURCHASING A HOME, I REALIZED I HAD DAMAGE TO MY Credit report, ACCODRING TO 15 U.S.C XXXX, there should not be any damage to my report. it's a defamation to my character.

Company response to consumer: Closed with non-monetary relief