vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion LLC involving the unlawful reinsertion and continued reporting of inaccurate information in my consumer credit file. 
On or about XX/XX/year>, I submitted a written dispute to TransUnion pursuant to FCRA 611 ( 15 U.S.C. 1681i ) regarding inaccurate late payment information and an incorrect balance furnished by XXXX XXXX XXXX XXXX. 
On XX/XX/year>, at approximately XXXX XXXX, a TransUnion supervisor contacted me by telephone, reviewed my submitted documentation, and deleted all three disputed late payments from my credit report. This deletion confirmed that the information could not be verified as accurate. 
Despite this supervisor-confirmed deletion, on or about XX/XX/year>, TransUnion reinserted the same previously deleted information into my credit file.

TransUnion failed to comply with FCRA 611 ( a ) ( 5 ) ( B ) by reinserting the information without providing written notice within five ( 5 ) business days and without supplying any certification of accuracy from the furnisher.

Additionally, TransUnion failed to conduct a reasonable reinvestigation as required under FCRA 611 ( a ) ( 1 ) ( A ) and failed to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ). 
XXXX XXXX XXXX XXXX, as the furnisher of the information, failed to correct or delete inaccurate information after notice of dispute, in violation of FCRA 623 ( 15 U.S.C. 1681s-2 ).

I have submitted a formal written demand and sworn affidavit to TransUnion providing them an opportunity to cure these violations. As of the date of this complaint, the inaccurate information remains reported.

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 2025-12-23 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: CA

Complaint narrative:
I am writing to dispute an incorrect charge-off listing reported under my name for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the credit report I received, this account shows a balance of {$0.00} and is marked as " tied up. '' However, there has been no explanation or documentation provided to justify why this account is being reported as a charge-off. As a consumer, I have the right to dispute inaccurate or incomplete information under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit bureaus to ensure that information on a credit report is accurate and verifiable. Given the ambiguous nature of the charge-off entry, I request a full investigation into this matter to clarify the account 's status and to ensure the information reported is correct.

Upon closer examination, I noticed that the charge-off was reported without any prior formal notification or detailed breakdown of the balance. According to 15 U.S.C. 1681c, creditors are obligated to report accurate information within a reasonable timeframe. The charge-off status, without adequate verification or supporting documentation, is causing me significant concern. Furthermore, under 15 U.S.C. 1681s-2, creditors ( furnishers of information ) must take steps to report information that is accurate and complete. I request that the credit bureau investigate this matter fully by contacting the creditor to verify the legitimacy of the charge-off, its balance, and the true nature of the account. I ask that you provide me with a written response detailing your findings and actions taken.

Additionally, I would like to emphasize that under the Consumer Credit Protection Act ( CCPA ), and specifically the Fair Debt Collection Practices Act ( FDCPA ), creditors are required to validate debts and ensure they are accurately reported before labeling them as charge-offs. The account in question is marked as " tied up, '' which adds to the confusion and makes it unclear whether the charge-off is a valid reflection of my financial obligations. It is crucial that this be reviewed thoroughly, as this inaccurate entry has a significant negative impact on my credit history. I respectfully request that this matter be resolved promptly and that any inaccurate or misleading information be corrected in accordance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I am writing to dispute an incorrect charge-off listing reported under my name for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the credit report I received, this account shows a balance of {$0.00} and is marked as " tied up. '' However, there has been no explanation or documentation provided to justify why this account is being reported as a charge-off. As a consumer, I have the right to dispute inaccurate or incomplete information under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit bureaus to ensure that information on a credit report is accurate and verifiable. Given the ambiguous nature of the charge-off entry, I request a full investigation into this matter to clarify the account 's status and to ensure the information reported is correct.

Upon closer examination, I noticed that the charge-off was reported without any prior formal notification or detailed breakdown of the balance. According to 15 U.S.C. 1681c, creditors are obligated to report accurate information within a reasonable timeframe. The charge-off status, without adequate verification or supporting documentation, is causing me significant concern. Furthermore, under 15 U.S.C. 1681s-2, creditors ( furnishers of information ) must take steps to report information that is accurate and complete. I request that the credit bureau investigate this matter fully by contacting the creditor to verify the legitimacy of the charge-off, its balance, and the true nature of the account. I ask that you provide me with a written response detailing your findings and actions taken.

Additionally, I would like to emphasize that under the Consumer Credit Protection Act ( CCPA ), and specifically the Fair Debt Collection Practices Act ( FDCPA ), creditors are required to validate debts and ensure they are accurately reported before labeling them as charge-offs. The account in question is marked as " tied up, '' which adds to the confusion and makes it unclear whether the charge-off is a valid reflection of my financial obligations. It is crucial that this be reviewed thoroughly, as this inaccurate entry has a significant negative impact on my credit history. I respectfully request that this matter be resolved promptly and that any inaccurate or misleading information be corrected in accordance with the 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 non-monetary relief
Consumer complaint received 2025-12-23 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate, incomplete, and unverified credit reporting by LVNV Funding LLC in violation of the Fair Credit Reporting Act ( FCRA ). 

LVNV Funding LLC is reporting a collection account that lacks required identifying and verification information. The tradeline fails to clearly identify the original creditor, does not provide a complete chain of assignment, and is reported only to one consumer reporting agency, which raises additional concerns regarding accuracy and verifiability. 

Reporting a debt without the ability to substantiate ownership, accuracy, and completeness constitutes a failure to ensure maximum possible accuracy in violation of 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ). A furnisher may not continue reporting information that can not be reasonably verified as accurate.

Courts have held that information is inaccurate under the FCRA not only when it is factually incorrect, but also when it is materially misleading or incomplete. See XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 

Because LVNV Funding LLC has failed to provide sufficient documentation to establish the accuracy, ownership, and validity of this account, continued reporting constitutes ongoing noncompliance. 

I am requesting that LVNV Funding LLC delete this tradeline and cease reporting information that can not be verified as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I am filing this complaint regarding serious servicing errors by Nelnet in connection with my federal student loan account. 
Nelnet reinstated a loan balance, resumed interest accrual, and furnished information to consumer reporting agencies without providing proof that I received the required written notice. In response to my dispute, Nelnet supplied only generic account summaries and transaction records, which do not resolve the errors or satisfy federal servicing obligations. 
Nelnet has failed to conduct a reasonable investigation or provide required explanations for the following issues : Failure to provide proof of written notice prior to reinstating a balance, resuming interest accrual, or reporting to credit bureaus Failure to account for payments made to my original loan servicer prior to transfer, resulting in incomplete and inaccurate loan accounting Improper capitalization of interest during periods when my required payment under an income-driven repayment ( IDR ) plan was {$0.00} Improper capitalization of interest during CARES Act administrative forbearance, when interest and capitalization were prohibited Capitalization of interest without identifying any borrower-initiated or regulatory event authorizing capitalization Capitalization of amounts that had previously been refunded by a prior loan servicer, without statutory authority Failure to evaluate or document my eligibility for income-driven repayment ( IDR ) forgiveness, despite extended periods of qualifying repayment and administrative forbearance These servicing failures resulted in an inflated and inaccurate loan balance and inaccurate credit reporting. I submitted a formal Notice of Error identifying these violations and requesting correction. Nelnet has not cured the errors and has not provided the documentation required to justify its actions. 
Nelnets response consisted of record production only and did not identify the alleged errors, explain how they were evaluated, or demonstrate compliance with federal servicing requirements. 
I am requesting CFPB assistance to ensure that Nelnet conducts a lawful investigation, reverses improper interest capitalization, provides a complete and accurate loan accounting ( including prior-servicer payments ), properly evaluates IDR forgiveness eligibility, and corrects or removes inaccurate credit reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Charged fees for returned check even when the account was paid in full the very next day citi bank refused to returns the money back

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Comerica
State: MI

Complaint narrative:
I contacted the State Treasurer because I never received my income tax refund check from the previous year. At that time, I was informed that the check had already been cashed. I explained that I never cashed the check and wanted to report it as fraud. 

The state then told me I needed to complete an affidavit, which I did. After that, I was informed that they could not obtain a copy of the cashed check and that I would need to contact the bank. 

When I went to the bank, I was told that I needed to file a police report. I completed that as well. Afterward, I was told that the check could be found in the system and that I would need to file a civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This emotional toll has been very overwhelming. I have lost sleep, felt constant XXXX, and experienced the embarrassment of being turned away by landlords for something that i believe should not even be on my record. this has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. 
According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Every credit report bureau that sends me a report. Is using my dad 's birthday with my social security number? They have his old phone numbers. His old addresses. But again with my social security number. So I have been denied from multiple purchases that require credit reporting because all the information they are giving is not matching with the information im providing so I look like a liar

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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Subject : Request for Reimbursement Due to Incorrect Loan Information To Whom It May Concern, I am writing to file a complaint regarding an auto loan I was issued by navy federal credit union. On XX/XX/XXXX, I was pre-approved for an auto loan for a classic car. I explicitly confirmed with the personal banker that the loan would cover classic cars, and I was assured that it would. He printed the check out and told me how to fill it out and i did right there on his desk he checked it and okayed it. Based on this information thats called reasonable reliance. I acted based on the banks guidance, and their internal policy failure caused me financial loss and logistical harm. I overnighted the check to the dealership at a cost of {$90.00}. 
However, when the dealership attempted to deposit the check, it was declined because the vehicle was classified as a classic car, which was never communicated to me prior. This caused significant inconvenience and financial loss. 
I am requesting reimbursement of the {$90.00} overnight shipping fee due to this error. I believe this is a fair resolution given the circumstances. 
Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-12-23 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: GA

Complaint narrative:
I am filing this complaint because several debt-collection accounts are being reported on my credit report that resulted from identity theft. I did not authorize or open these accounts, nor did I give consent for any of the alleged debts. The collectors continue to report and attempt to collect despite my written disputes and notice of identity theft. 
The accounts are : XXXX XXXX XXXX ( {$1200.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXX  ( {$280.00} ) ( XX/XX/XXXX ), XXXX XXXX XXXX ( {$370.00} ) ( XX/XX/XXXX ), XXXX XXXX ( {$1100.00} ) ( XX/XX/XXXX ). Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency must block information that results from identity theft within four business days once provided with proper documentation. I have supplied such documentation, yet these accounts remain. In addition, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activityincluding credit reportinguntil verification of the debt is provided. The collectors in question have failed to provide verification or proof of my liability. Federal courts have confirmed that furnishers and bureaus may be held liable for failing to conduct reasonable investigations or for reporting inaccurate information ( Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ; Dalton v. Capital Associated Industries, 257 F.3d 409 ( 4th Cir. 2001 ) ). I request that the CFPB investigate these violations and require the companies involved to permanently delete all fraudulent collection accounts from my credit report. These inaccurate entries are the direct result of identity theft and continued reporting causes significant and ongoing harm to my credit reputation.

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 2025-12-23 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: FL

Complaint narrative:
I was enrolled in automatic payments ( autopay ) for my loan and had sufficient funds available in my bank account at all times. As shown in the attached screenshots, multiple automatic payments were scheduled and processed previously without issues. 

On or around XX/XX/XXXX, the lenders platform removed my autopay enrollment without my authorization or prior notice. As a result, the scheduled payments were not successfully processed, and the account was later marked as charged off in the amount of {$100.00}. 

Despite this, the payment history shows that automatic payments continued to appear as scheduled, including payments of approximately {$32.00}, and previous loans were fully paid off on multiple dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), demonstrating a consistent history of repayment. 

I did not refuse to pay and did not intentionally miss any payments. The missed payments and subsequent delinquency reporting occurred solely due to the lenders internal system or platform issue related to autopay removal. 

The lender then reported three delinquency marks to the credit bureaus, which do not accurately reflect my payment behavior and have negatively impacted my credit. I am attaching screenshots of my loan history and payment records to support this complaint.

I am requesting that this issue be investigated and that the inaccurate delinquency and charge-off reporting be corrected or removed.

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 2025-12-23 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: FL

Complaint narrative:
I was enrolled in automatic payments ( autopay ) for my loan and had sufficient funds available in my bank account at all times. As shown in the attached screenshots, multiple automatic payments were scheduled and processed previously without issues. 

On or around XX/XX/XXXX, the lenders platform removed my autopay enrollment without my authorization or prior notice. As a result, the scheduled payments were not successfully processed, and the account was later marked as charged off in the amount of {$100.00}. 

Despite this, the payment history shows that automatic payments continued to appear as scheduled, including payments of approximately {$32.00}, and previous loans were fully paid off on multiple dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), demonstrating a consistent history of repayment. 

I did not refuse to pay and did not intentionally miss any payments. The missed payments and subsequent delinquency reporting occurred solely due to the lenders internal system or platform issue related to autopay removal. 

The lender then reported three delinquency marks to the credit bureaus, which do not accurately reflect my payment behavior and have negatively impacted my credit. I am attaching screenshots of my loan history and payment records to support this complaint.

I am requesting that this issue be investigated and that the inaccurate delinquency and charge-off reporting be corrected or removed.

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