vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX, FL, XXXX ; but my credit report shows an outdated address as XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-16 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX  XXXX XXXX XXXX - Date Opened XX/XX/year>

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I froze my credit for security and now want to unfreeze. 
I was able to do so with XXXX  and XXXX  I have tried multiple times over several days to un Freeze Experian. 
I get notice that a security code will be text to me but I never receive it. 
I have called every phone number to Experian but no one can help me. 
I sent a certified letter with all my info over a week ago and still no response. 
It is holding up a refinance Im working on

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 2025-04-16 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: MI

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$2700.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Violation of 15usc and 1681 I am writing to formally dispute a 90-day late payment that has been reported on my credit file by XXXX. The company never informed me that a balance was due, nor was I given any notice or opportunity to resolve the matter before the delinquency being reported. 

I did not receive any communicationvia mail, email, or phoneindicating that a payment was past due or that any balance remained on my account. Had I been made aware of any outstanding obligation, I would have addressed it promptly. 

This lack of communication has negatively affected my credit report, and I respectfully request that this matter be investigated. I am looking for either the removal or correction of the 90-day late payment entry, as it was reported without proper notification or due process.

Please let me know if any additional information is needed from my end to assist with your review. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Violation of 15usc and 1681 I am writing to formally dispute a 90-day late payment that has been reported on my credit file by XXXX. The company never informed me that a balance was due, nor was I given any notice or opportunity to resolve the matter before the delinquency being reported. 

I did not receive any communicationvia mail, email, or phoneindicating that a payment was past due or that any balance remained on my account. Had I been made aware of any outstanding obligation, I would have addressed it promptly. 

This lack of communication has negatively affected my credit report, and I respectfully request that this matter be investigated. I am looking for either the removal or correction of the 90-day late payment entry, as it was reported without proper notification or due process. 

Please let me know if any additional information is needed from my end to assist with your review. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Violation of 15usc and 1681 I am writing to formally dispute a 90-day late payment that has been reported on my credit file by XXXX. The company never informed me that a balance was due, nor was I given any notice or opportunity to resolve the matter before the delinquency being reported. 

I did not receive any communicationvia mail, email, or phoneindicating that a payment was past due or that any balance remained on my account. Had I been made aware of any outstanding obligation, I would have addressed it promptly. 

This lack of communication has negatively affected my credit report, and I respectfully request that this matter be investigated. I am looking for either the removal or correction of the 90-day late payment entry, as it was reported without proper notification or due process. 

Please let me know if any additional information is needed from my end to assist with your review. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-04-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I will reiterate there is no statute of limitations on fraud. Nelnet Inc. is subject to the Uniform commercial code ( UCC ), notably Article 4A, which governs electronic fund transfers. They dishonored my instrument ( the security certificate ). They had 30 days to return it back to me if defective, IN WRITING and they did not. Again per UCC 3-604, 3-603 ( Texas Business & Commerce Code - BUS & COM 3.603 and 3.604 ) there is DISCHARGE! The security certificate I sent them was lawful, I clearly instructed them to forward it to the US treasury and they have refused thus Nelnet Inc. is guilty of interfering with commerce ( The Hobbs Act, 18 U.S.C. 1951 ). Again I will remind XXXX XXXX, XXXX XXXX and all interested parties at Nelnet Inc. that Federal Reserve Act section 16, 12 U.S. Code 83, 50 U.S. Code 4305, 18 U.S. Code 8, the minutes from the SEVENTY-THIRD CONGRESS, FIRST SESSION, March 9 1933, codified in Public Law 73-10 gives me EVERY RIGHT to discharge any alleged debt.

Nelnet Inc. is a publicly traded company. They do not have possession of my master promissory note. They can not abandon their role as fiduciaries and securities transfer agents. They must abide by the UCC, FTC and SEC rules. They traded/transferred all rights, titles and interest of member accounts ( receivables ) into a trust ( 10k,8k, indenture agreements ) which voids their legal right to collect. They are working with XXXX XXXX, NA, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX just to name a few. This is securities fraud and a breach of contract. 

Nelnet Inc. needs to provide under what authority or Federal or State law allows them to collect any payments from me and for that matter a specific species of currency. They are engaging in unfair and deceptive acts or practices, interfering with commerce per The Federal Trade Commission Act ( FTC Act ), specifically 15 U.S. Code 45, 12 CFR 1006.18, 15 U.S. Code 1692e. They are in default!

I have a right to privacy by law ( 15 U.S. Code 1681a ( 4 ). ) ; I have opted out of their reporting so Nelnet Inc. has no right to report my consumer information to any consumer reporting agency. They have violated 15 U.S. Code 1681. This is identity theft and I am being harmed as a consumer. Per 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) my consumer report excludes information solely as to transactions or experiences between the consumer and the person making the report ; hence All late payments they have reported on my consumer report need to be remove immediately.

I am giving Nelnet Inc. the opportunity to cure this defect before I sue them in chancery court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
b'Subject: Formal Request for Refund of XXXX in Repeated and Improper ACH Return Charges\n\nTo VyStar Credit Union,\n\nMy name is XXXXXXXX XXXX XXXX  and I am requesting a full investigation and refund of XXXX in ACH return fees that were charged to my VyStar accounts ending in XXXX and XXXX between XXXX XXXX and XXXX XXXX was charged XXXX  on 20 separate occasions by various merchants including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others. These fees were assessed repeatedly by the same merchants for continued debit attempts on previously returned entries.\n\nThis pattern appears to violate NACHA Operating Rules, which limit ACH return fees to:\n\t\tOne fee per returned ACH entry\n\t\tOnly for return codes R01 (insufficient funds) or R09 (uncollected funds)\n\t\tAdvance disclosure of the fee and labeling as RETURN FEE\n\n\n\nTransaction Dates and Merchants\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTotal Refund Requested: XXXXXXXXn\nI am requesting:\n\t1.\tA full refund of XXXX  for improperly charged or excessive fees\n\t2.\tA detailed breakdown of each return fee, including the ACH return code used\n\t3.\tConfirmation of NACHA compliance for each charge\n\n\nThank you for your prompt attention.\n\nSincerely,\XXXX XXXX XXXX XXXX XXXXVyStar Accounts Ending in: XXXX and XXXX requesting:\n\t\nThank you for your prompt attention.'

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 2025-04-16 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: IL

Complaint narrative:
This account was settled through a mutually agreed-upon payment arrangement that was initiated on XX/XX/XXXX, and paid in full as of XX/XX/XXXX. Despite my full compliance, the credit report has been inaccurately updated each month from XX/XX/XXXX to XX/XX/XXXX with a Charge-Off ( CO ) status and the overall account rating is still showing as Derogatory. 

Next, I will sue for statutory damages. 



This is factually incorrect, legally questionable, and violates the Fair Credit Reporting Act ( FCRA ) which mandates accurate, complete, and fair reporting of consumer data. A charge-off is a one-time event not something that can be repeatedly updated while a payment agreement is in effect and being honored. Moreover, once a settlement is paid in full, the account should not be rated Derogatory, as that status implies ongoing delinquency, which is not the case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
This account was settled through a mutually agreed-upon payment arrangement that was initiated on XX/XX/XXXX, and paid in full as of XX/XX/XXXX. Despite my full compliance, the credit report has been inaccurately updated each month from XX/XX/XXXX to XX/XX/XXXX with a Charge-Off ( CO ) status and the overall account rating is still showing as Derogatory. 

Next, I will sue for statutory damages. 



This is factually incorrect, legally questionable, and violates the Fair Credit Reporting Act ( FCRA ) which mandates accurate, complete, and fair reporting of consumer data. A charge-off is a one-time event not something that can be repeatedly updated while a payment agreement is in effect and being honored. Moreover, once a settlement is paid in full, the account should not be rated Derogatory, as that status implies ongoing delinquency, which is not the case.

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 2025-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-04-16 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: PA

Complaint narrative:
I am writing to formally notify you that my personal information was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive information such as Social Security numbers, birthdates, addresses, and other personal identifying details. 

I am deeply concerned about the long-term impact this breach may have on my financial security and personal privacy. I have taken precautionary steps including monitoring my credit reports and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. 

Please advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my consumer rights are protected. 

Thank you for your time and continued efforts to protect consumers.

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 2025-04-16 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: PA

Complaint narrative:
I am writing to formally notify you that my personal information was compromised as a result of the Equifax data breach that occurred in 2017. I recently confirmed that my data was included in the breach, which exposed sensitive information such as Social Security numbers, birthdates, addresses, and other personal identifying details. 

I am deeply concerned about the long-term impact this breach may have on my financial security and personal privacy. I have taken precautionary steps including monitoring my credit reports and placing fraud alerts, but I believe it is important that this incident be properly documented with your office. 

Please advise if there are any additional steps I should take, or if further information is needed from me to support an investigation or to ensure my consumer rights are protected. 

Thank you for your time and continued efforts to protect consumers.

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 2025-04-16 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MI

Complaint narrative:
I use to just accept money and send to family and friends and they randomly closed my account despite it being always linked and the money always coming to or from my personal bank account. They closed it without notice and will not keep an account open for me. There was no fraud nor negative history or balances with my account at all. I reached out to support and they said I violated terms. Again it was only used to send money or receive it from family members who have their accounts still today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app does not investigate any of my disputes instead they just deny me due deactivating my card. Ive had a Cash App card since 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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