vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Dear XXXX, The current XXXX XXXX XXXX Treasury XXXX XXXX resumed payments in XXXX  and has caused confusion for many borrowers around the country. AidVantage failed to email, call, or send mail to me regarding the end of the deferment. As a result, they listed delinquent payments on my XXXX  account. I spoke with their customer service team back in XXXX of this year trying to understand why the negative reporting occurred in the first place. 

On XX/XX/XXXX I spoke with XXXX XXXX from customer service at XXXX EST. I informed her that I owed over {$22000.00} in federal loans that were XXXX  days delinquent. I asked if my current address, XXXX XXXX XXXX XXXX, XXXX NJ, was on file. XXXX only saw XXXX XXXX XXXX, XXXX NJ in the system. I told her that the address on file was wrong and I asked for it to be updated. XXXX did not respond for the rest of the call. 
The next customer service representative I spoke with was a woman named XXXX. I asked her why I was not emailed or billed before XXXX. XXXX admitted that AidVantage should have contacted me earlier. She noticed in the system that a new account on my records was created. I told XXXX that my father originally created an AidVantage account for the federal loans, but I needed to create my individual login to check the loan balance. That being said, it wasn't under my name as a co-signer. Unfortunately, I was unsuccessful in resolving this issue with the XXXX customer service representatives. 

Given the lack of transparency, my XXXX XXXX went from a perfect score in the XXXX to fair in the XXXX. Before this national student loan crisis I always paid my debts off and on time. That being said, I'm seeking financial remediation and need the negative charges removed. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
Subject : Complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a late payment during the COVID-19 emergency ( XX/XX/XXXX ) Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXXXXXX for reporting a late payment on my credit report for XX/XX/XXXX, despite the fact that I was experiencing financial hardship related to the COVID-19 pandemic during that time. 

Although the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) was officially enacted in XX/XX/XXXX, many financial institutions, including XXXX  XXXX XXXX, offered early assistance programs and temporary payment accommodations prior to that date. In my case, I requested assistance due to pandemic-related hardship, and the account was placed under a temporary relief agreement. 

Under Section 4021 of the CARES Act, which amended 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accounts as current if they were current before the accommodation and the consumer fulfilled the terms of the agreement during the COVID-19 emergency period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
Subject : Complaint against XXXX XXXX XXXXXXXX for inaccurately reporting a late payment during the COVID-19 emergency ( XX/XX/XXXX ) Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXXXXXX for reporting a late payment on my credit report for XX/XX/XXXX, despite the fact that I was experiencing financial hardship related to the COVID-19 pandemic during that time. 

Although the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) was officially enacted in XX/XX/XXXX, many financial institutions, including XXXX  XXXX XXXX, offered early assistance programs and temporary payment accommodations prior to that date. In my case, I requested assistance due to pandemic-related hardship, and the account was placed under a temporary relief agreement. 

Under Section 4021 of the CARES Act, which amended 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accounts as current if they were current before the accommodation and the consumer fulfilled the terms of the agreement during the COVID-19 emergency period.

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 2025-08-18 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: NY

Complaint narrative:
XXXX   Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX   Account # XXXX XXXX  Account # XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX   Account # XXXX XXXX XXXX XXXXI  also noticed that the account number is not complete there are a bunch of asterisks in place. I also noticed that the first date of delinquency is not present but it is in other bureaus and theyre all different actual dates. Please correct this information as it must be accurate fair and complete FCRA SECTION 609.\n\nAlso, lvnv needs to be deleted, as I went to court for this, and the courts decision was in my favor as XXXX XXXX was not able to prove the burden of proof, also the accounts listed above,, , have been aged they are still reporting these accounts as late and or delinquent, that is against the law these are hurting my credit they, I want to know how these were verified who they spoke to when they spoke to them the date time the persons name who that person spoke to, that these were verified, it is my right to request this information and I have yet to receive anything as far as these accounts being verified I just keep getting credit reports from experian saying that they were verified, which is total shit. yet it was not followed by any information so Im requesting who they spoke to when they spoke to them, the date, the time, names . If they provide this information, I am requesting this information be deleted from my Credit Report.this is 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 2025-08-18 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: Self Financial Inc.
State: GA

Complaint narrative:
Self credit lender never reported my account to the bureau. The score it shows in the app isnt anywhere near my credit score. When I closed my account they charged me after stating it would be {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am a victim of identity theft. The following one ( XXXX ) fraudulent XXXX XXXX and XXXX ( XXXX ) Transworld Systems Inc. accounts are being reported under my credit file without my knowledge, authorization, or consent. I have never applied for, opened, or used these accounts. They were fraudulently created using my personal information and are the direct result of identity theft. 



Fraudulent Accounts in Dispute XXXX. Transworld Systems Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, PA XXXX Reference/Account : XXXX {$1100.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account : XXXX {$980.00} Applicable Statutes and Protections Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681c-2 ( 605B ) : Right to block fraudulent identity theft accounts.

1681s-2 : Prohibits furnishers ( XXXX, XXXX XXXX XXXX Transworld ) from knowingly reporting inaccurate data.

1681n : Willful noncompliance entitles victims to statutory damages up to {$1000.00} per violation.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Prohibits debt collectors from attempting to collect on fraudulent debts.

1692k ( a ) ( 2 ) ( A ) : Statutory damages up to {$1000.00} per debt collector, per action.

Fair and Accurate Credit Transactions Act ( FACTA ), Pub. L. 108159 Provides for fraud alerts ( 605A ) and credit freezes. 
Requires creditors and reporting agencies to provide victims with account documentation. 

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Criminalizes the fraudulent use of another persons identifying information.

Notice of Intent to Sue If the above demands including account removal, production of validation records, and payment of statutory damages are not fully satisfied within fifteen ( 15 ) days of receipt of this notice, I will file a civil lawsuit against XXXX XXXX and Transworld Systems Inc. 

For clarity, removal of these fraudulent accounts from my credit report alone will not eliminate liability. If the statutory damages totaling {$3000.00} are not paid in full, I will still pursue civil litigation to recover damages, attorneys fees, and all other relief permitted under law. 

These fraudulent accounts are causing me financial and reputational harm. I hold no liability for any charges, balances, or debts related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
This is my third and final attempt to resolve inaccurate late payment entries being reported on my credit file. Despite multiple disputes, the furnishers have failed to correct or delete these false entries, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 

Accounts in Dispute : XXXX. XXXX XXXX Account Number : XXXX Why This Reporting Is Wrong : These accounts were always paid as agreed. 

I never received billing notices or due date reminders, yet late marks were reported anyway. 

This violates 15 U.S.C. 1666B, which prohibits imposing late penalties without proper notice.

By continuing to report these items without evidence of proper notice, the furnishers are in violation of : FCRA 1681e ( b ) : reporting must be accurate and complete.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : furnishers must report fairly and responsibly.

FCRA 1681i ( a ) : disputed items must be reinvestigated and deleted if not verified.

Requested Resolution : Conduct a reinvestigation of each disputed late payment. 

Require the creditors to provide proof that billing notices/due dates were sent before reporting the late marks. 

If no proof exists, permanently delete these late payments from my credit reports. 

Provide me with written confirmation and an updated report within XXXX business days. 

Next Steps if Unresolved : If this issue is not corrected, I will escalate further by filing additional complaints with the CFPB, FTC, and State Attorney Generals Office, and pursuing legal action under FCRA 616, which allows up to {$1000.00} per violation plus damages and legal fees.

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 2025-08-18 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-08-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I am a victim of identity theft. The following three ( 3 ) fraudulent XXXX XXXX and XXXX ( XXXX ) fraudulent Credit Control LLC accounts are being reported under my credit file without my knowledge, authorization, or consent. I have never applied for, opened, or used these accounts. They were fraudulently created using my personal information and are the direct result of identity theft. 



Fraudulent Accounts in Dispute XXXX Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX Reference/Account : XXXX {$520.00} Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account XXXX XXXX {$440.00} XXXX Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX : XXXX {$1800.00} Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Account : XXXX {$1500.00} XXXX. Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account : XXXX {$4800.00} Applicable Statutes and Protections Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681c-2 ( 605B ) : Right to block fraudulent identity theft accounts.

1681s-2 : Prohibits furnishers ( XXXX, XXXX XXXX XXXX XXXX ) XXXX knowingly reporting inaccurate data.

1681n : Willful noncompliance entitles victims to statutory damages up to {$1000.00} per violation.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Prohibits debt collectors from attempting to collect on fraudulent debts.

1692k ( a ) ( 2 ) ( A ) : Statutory damages up to {$1000.00} per debt collector, per action.

Fair and Accurate Credit Transactions Act ( FACTA ), Pub. L. 108159 Provides for fraud alerts ( 605A ) and credit freezes.

Requires creditors and reporting agencies to provide victims with account documentation.

Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ) Criminalizes the fraudulent use of another persons identifying information.

Notice of Intent to Sue If the above demands including account removal, production of validation records, and payment of statutory damages are not fully satisfied within fifteen ( 15 ) days of receipt of this notice, I will file a civil lawsuit against XXXX XXXX and Credit Control LLC. 

For clarity, removal of these fraudulent accounts from my credit report alone will not eliminate liability. If the statutory damages totaling {$6000.00} are not paid in full, I will still pursue civil litigation to recover damages, attorneys fees, and all other relief permitted under law. 

These fraudulent accounts are causing me financial and reputational harm. I hold no liability for any charges, balances, or debts related to these accounts.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
bridgecrest is reporting an account on my credit XXXX i have not done business with this company i have attached my ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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 writing to formally dispute and request the immediate blocking and removal of fraudulent information appearing on my credit report in accordance with 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

The following item ( s ) on my credit report are the result of identity theft, and I am not responsible for any debts, accounts, or inquiries associated with them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX compliance with FCRA Section 605B [ 15 U.S. Code 1681c-2 ], I am including the required documentation to support my claim and formally request that the above item ( s ) be blocked from my credit report : A copy of a valid government-issued photo ID and Social Security Card A copy of a recent bank statement showing my current address A copy of the identity theft report filed with a law enforcement agency Legal Reference : Under 15 U.S.C. 1681c-2, a consumer reporting agency is required to block any information that the consumer identifies as resulting from identity theft within four business days of receiving : This is a legal obligation, and any failure to comply may result in enforcement action or legal claims under the FCRA.

Please confirm in writing within the required time frame that the disputed information has been blocked and removed from my credit report. I also request a copy of my updated credit report reflecting these changes.

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 2025-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX DOB : XX/XX/XXXX SSN : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Cover Letter Complaint Submission To Whom It May Concern, Please find enclosed my formal complaint against several furnishers of credit information who have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). I am including the following documents for your review : 1. CFPB Complaint Draft outlining the details of my complaint.

2. Copies of dispute letters sent to the credit reporting agencies.

3. Copies of direct dispute letters sent to the furnishers ( Bank of America, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ). 
4. Copies of my credit reports showing the disputed information.

5. Copies of my identification and proof of address.

I respectfully request that the Consumer Financial Protection Bureau investigate these matters and take appropriate action to ensure the furnishers comply with the FCRA. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-08-18 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: VA

Complaint narrative:
This issue that I am having is that Equifax keeping removing and adding back a closed dismissed bankruptcy and by this happening it keeps affecting my credit file equifax is the only credit bureau reporting this. I spoke with XXXX XXXX who fixed this issue for me after receiving information that this bankruptcy was dismissed and closed. She had me email her the documents to XXXX I done so and she stated it would take XXXX to update. 

The bankruptcy that is closed and dismissed is supposed to appear on credit file for 7 years with less than 90 days that it is to be removed from my file permanently. With that being said I ask the Equifax abide the law and remove this from my report.

Company response to consumer: Closed with explanation