vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because both TransUnion and XXXX  continue to report a charge-off account under the name XXXX XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX XXXX  ) with a status of Paid, dated XX/XX/year>, and reflecting a balance of {$0.00}. This reporting is misleading, inaccurate, and harmful. By definition, a charge-off is an unpaid and defaulted debt, while a paid account with a XXXX balance can not simultaneously be reported as a charge-off. The two statuses are contradictory, and the continued reporting in this manner creates a false and damaging representation of my creditworthiness.

I have disputed this information directly with the credit bureaus, yet both TransUnion and XXXX  have failed to properly investigate and correct the error. Their reinvestigation process appears superficial, as they continue to verify an account that can not legally or factually exist in its current contradictory form. The Fair Credit Reporting Act requires these bureaus to ensure the maximum possible accuracy of the information they report, yet they are allowing conflicting and harmful data to remain on my file without correction. 

This has real consequences on my financial life. Despite the account showing a {$0.00} balance, the charge-off notation severely damages my credit profile, causing lenders to treat me as though I defaulted, even though the account was settled and should not carry such a derogatory label. This inaccurate reporting is preventing me from qualifying for fair lending opportunities and is prolonging unjust financial harm.

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 2025-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX received a notification that account was in forbearance due to a federal court injunction. Repayment is optional until stated otherwise. During that time 0 % interest. 

I have not received any email or notification in my Nelnet inbox stating that status has changed. 

On XX/XX/XXXX I log into my account and it states that I have accrued interest since XX/XX/XXXX. 

Nelnet is required to notify me of any changes to my account and the failure to communicate is basically a breach of contract. 

When contacting them the representative mostly stayed silent and just kept saying an email was sent to me about it. I checked my emails and there was nothing. He didnt have anything to respond other than to repeat. I also checked the Nelnet inbox where they are required to let you know of such a change and there was nothing stating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-29 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: TN

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-09-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to request assistance regarding my auto loan with Pentagon Federal Credit Union ( PenFed ). I am at risk of losing my vehicle and am seeking help to resolve this matter fairly. 

I lost my job in XX/XX/year> and immediately contacted PenFed to explain my situation. They granted me a six-month deferment while I looked for new employment, for which I was grateful. Once the deferment ended, I applied for a loan modification to make the payments more manageable based on my changed financial circumstances.

Unfortunately, before I was even able to formally submit my application, a representative named Shelly verbally informed me that my request would be denied. Despite this discouragement, I went forward and provided all the requested documents. However, my loan modification request was ultimately denied without any meaningful consideration of my situation. 

I believe I am being treated unfairly and potentially discriminated against based on my financial hardship. I have clearly expressed that I am able and willing to pay for my vehicle if the payments are adjusted to a reasonable amount. My requests for assistance are not to avoid responsibility, but to preserve my ability to continue making payments and to protect my credit from serious harm. They are terrible at communicating with customers, they never gave me an answer about my application until today when I called to follow up after almost 30days. When ever I call they transfer the call to several different departments and everyone seems confused. The only time that they respond or take me seriously is when I go through the cfpb.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant XXXX. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint because TransUnion is inaccurately reporting my personal information, which is both misleading and harmful to my financial reputation. My legal and only name is XXXX XXXX. Yet, my credit file incorrectly lists an Also Known As variation of XXXX, XXXX, XXXX, which is entirely false and not connected to me in any way. 

Additionally, the address section of my file is riddled with errors. My correct and only address is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. However, TransUnion continues to reflect previous addresses in ways that create confusion. The system shows XXXX XXXX XXXX as a separate entry, which is nothing more than a duplicate or miskeyed version of my correct address. On top of that, it is showing a completely outdated address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, which should have long been removed. 

Most concerning, my file lists XXXX XXXX as an employer. I have never in my life worked for, applied to, or been associated with this company. This is not only inaccurate but offensive, as it suggests employment history that does not belong to me and can mislead lenders, landlords, and others who review my report. 

What happened here is that TransUnion has failed to maintain maximum possible accuracy of my personal identifying information, as required under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ). Reporting false names, incorrect addresses, and fabricated employers is not a minor clerical issueit is a serious failure that distorts my credit identity and undermines the integrity of the reporting system. This creates unnecessary suspicion about my identity, raises red flags for lenders, and leaves me exposed to even greater risk if I need to verify my background.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2025 my wife received a text that appeared to be from Bank of America alerting her that there was potentially fraudulent activity on our checking account, and asking her if the charges were recognized. When she replied " no '', she received another text alerting her that someone from Bank of America 's fraud department would call momentarily to discuss next steps. Within a minute her phone rang, and when she answered, someone representing themself as a B of A fraud representative asked her some questions about the potentially fraudulent charge and told her that it appeared that someone had accessed our account via XXXX XXXX. They told her that we would need to open a new account, transfer our money to the new account, and close the old account. They then walked her step-by-step through setting all that up ( or so she thought ). In reality, it appears that they talked her through setting up an XXXX XXXX account, transferring all of our money to that account, and had her provide the PIN for that account ( unbeknownst to her ). Once they had the PIN, the call dropped. She tried calling the number back and it went to some random person 's voicemail. At that point she suspected that she had been scammed and immediately contacted B of A 's fraud department and asked them to stop the transaction, or put a hold on the transfer. They said that they would try to stop the transsaction. On XXXXXXXX XXXX  the {$1900.00} charge cleared in our account. We have contacted our local law enforcement ( XXXX XXXX XXXX XXXX XXXX ) and filed a report, and I also filed a report with the FBI. I realize it may not seem like a lot of money to some, but it was all the money we had. We contacted B of A and were told that there was nothing they could do. I also contacted the bank for XXXX XXXX, asking them to stop the transaction, and were also unsuccessful there 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
Consumer complaint received 2025-09-29 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because all three credit bureaus are inaccurately reporting a charge-off for the account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, with a reported date of XX/XX/year> and a balance of {$0.00}. This entry is not only misleading but entirely contradictory on its face. A charge-off suggests a delinquent, unpaid debt, yet the same record shows a XXXX balance. If no balance is owed, there is nothing left to be charged off, and reporting it as such is both inaccurate and damaging. 

When I reviewed my credit report, I was outraged to see this account misrepresented in such a way. I have worked diligently to pay my obligations and protect my financial reputation. To now be penalized by a reporting entry that makes no logical or legal sense is both unfair and deeply frustrating. A charge-off with a XXXX balance unfairly suggests past irresponsibility while providing no valid financial data. This combination misleads creditors, lenders, and anyone else reviewing my creditworthiness, creating barriers in housing, lending, and even employment. 

The Fair Credit Reporting Act is clear in requiring credit reporting agencies to maintain maximum possible accuracy of the data they publish. Reporting a charge-off with a balance of {$0.00} is not accurate under any reasonable standard. It is unverifiable, misleading, and damaging to my profile. Unless XXXX XXXX and the bureaus can produce concrete, verifiable documentation that justifies reporting this account as a charge-off while simultaneously stating that I owe nothing, this record must be corrected or deleted.

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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I contacted Bank of America well in advance of my due date to explain that I had lost my job and can not make my upcoming payments. Instead of offering a legitimate hardship option, I was repeatedly told by multiple representatives that my only option was to enroll in a debt management program through a third party, which is deceptive and not a temporary hardship solution. I then escalated to their Resolution Specialist, XXXX, who initially acknowledged my request but has since gone silent and has not provided any meaningful assistance. I am left without support, despite being transparent and proactive about my situation.

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 2025-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX  is holding my money and wont close my account. They told me they need me to collect interest on it first before they collect money and a customer service agent by the name of XXXX said You XXXX people do this all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX  with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX it shows the delivery date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax failed to respond. I sent another letter on XXXX  which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief