vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EdFinancial Services
State: NY

Complaint narrative:
I have student loans with provider EDfinancial Services. 
EDfinancial Services never sent me any correspondence in writing to my address. 
I was unaware that it was time to start paying my student loans back. 
I know there was some delay due to covid and political decision making. 
I was waiting to get a bill from my loan provider to start paying. That letter never came. 
They were however able to contact credit agencies and crash my credit score by XXXX points. 
As soon as I found out about any past due balance, I quickly paid it and am current in my account. 
I know now that they were sending emails to an email I no longer monitor. 
I would like them to remove their negative reporting to the credit agencies. 
I am sure they are required to send me some type of statement in writing before they destroy my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
The first of XX/XX/XXXX our home was hit by hurricane Beryl. We reached out to Carrington Mortgage regarding our VA Loan. We received notification we would be given a forbearance until XX/XX/XXXX. In XXXX we reached out to customer service where the customer service representative informed us we also have protection under our Military Lending Act and as long as the past balances were brought current there would be NO penalties or credit reporting. I called again in XXXX asking the same question and was told the same information regarding the loan. The calls were recorded for quality assurance. I called in XXXX, XXXX, and XXXX to which I was reassured our loan would not be reported because of the military protection on our loan. Fast Foward to XXXX. XXXX our credit report was updated to show a 90 day late payment from Carrington Mortgage. We reached out to customer service and tried to get help resolving this issue before opening a complaint but was told a letter was mailed out on XXXX in regards to the end of our forbearance. We are trying to get this issue resolved because it has majorly affected our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
XX/XX/year> {$120.00} I sent the payment to the wrong person and was unable to reach or get help with cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Formal Dispute of Inaccurate Charge-Off Reporting Under FCRA I formally disputing an inaccurate charge-off reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have the right to ensure that only accurate and complete information appears on my credit report. USAA Account # XXXX The account has been erroneously reported as a charge-off while still being pursued for collection. This is misleading and may constitute willful misreporting under the FCRA.

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XXXX I sent Experian, Equifax, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked 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 non-monetary relief
Consumer complaint received 2025-03-17 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-03-17 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: MA

Complaint narrative:
I discovered some instances of late payments on an account for which I've always maintained timely payments. Consumer reporting agencies play a crucial role in accurately reporting consumer information. it is impetrative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX Account number - XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence such as statements, demonstrating the lateness of these payments. if unable to furnish such proof, i demand that these payments be promptly updated to reflect their true status as on time, as i have consistently upheld my payment obligations without delay

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
On XXXX XXXX I spoke with financial aid about my student loan and was told I only owe {$1500.00}. On my credit report its showing {$3500.00}, {$2100.00}, {$1500.00} and {$6400.00}.

Company response to consumer: Untimely response
Consumer complaint received 2025-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capitol One also refuses to report my correct balance to the credit reporting agencies. The first time I called on XXXX and asked why the correct balance is not being reported and the rep laughed and stated it would update on XXXX. On XXXX there was no update to my credit report. I called back on XXXX and the rep stated that the previous rep provided incorrect information. My credit report would be updated 2-3 after XXXX because that is when my cycle closes. It still has not been updated. I also filed a complaint online with the credit bureau to have my account properly updated and it was declined by the credit card agency. They are reporting I have an available balance of {$30.00} on the credit card which has been inaccurate for months now. I have filed disputes prior to this and called the company over and over to correct the most accurate balance information and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: NC

Complaint narrative:
To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. 
I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commissions identity theft affidavit. Please delete the items as soon as possible. 

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

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been attempting to contact Experian regarding the removal of a fraudulent account XXXX XXXX ( XXXX ) since Friday, XX/XX/XXXX, following my original complaint submitted on XX/XX/XXXX ( Complaint # XXXX ). Despite providing a police report ( Crime Report # XXXX ) as evidence, Experian has refused to remove the fraudulent account, violating my rights under FCRA 605B. I have spoken with multiple Experian representatives, including XXXX ( XXXX # XXXX ) and XXXX ( Case # XXXX ), both of whom refused to provide employee IDs. On XX/XX/XXXX, I escalated the matter to XXXX, a supervisor ( Case # XXXX ), who also refused to provide her employee ID and stated that Experian can not remove the fraudulent account despite the police report.

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 2025-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XXXX XXXX XXXX I used Chase Online Pill Pay to make a payment in the amount of XXXX from my checking account. On that date the funds were debited from my account. Last week, the payee indicated that he did not receive the funds. The bank is unable to prove the funds were deposited in another account, if the check was cashed, or tell me who has the funds. They have not provided me with proof of payment or proof that the transaction had completion due to this being older than 13 months. This dispute is ongoing. It is also a violation of the EFTA. The notice I see on my end is that the transaction is COMPLETE but I nor the payee has the funds and the payee wants me to pay it still. Ive checked the State Treasury website for unclaimed property to see if escheatment process has initiated but do not see any reported unclaimed property to myself or the payee from Chase Bank. The money has fallen into a black hole, i.e. to Chase Bank. There is definitely a problem in the banking system that is allowing uncashed online bill pay checks to be debited regardless if it remains uncashed. There is also no way for me to know that the payment was never received unless the payee brings it to my attention. The online system does not have a pending status for guaranteed funds that do not get deposited on their online Bill Pay. Who else uses Chase Online Bill Pay to send money to grandchildren, long distance friends and relatives, or any individual who are not merchants? Who else may have funds debited for their accounts but nobody actually received it?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience and according to 15U.S.C.1692C, my rights have been violated by unlawful communications. Please remove these collections off of my credit report. Thank you,

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 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-03-17 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: EdFinancial Services
State: WA

Complaint narrative:
I am currently on XXXX which was due for income certification on XX/XX/year> and currently am working towards Public Service Loan Forgiveness ( PSLF ) as I work nonprofit for the past XXXX  years. I submitted my income recertification paperwork in XXXX XX/XX/year> and it was acknowledged/received by EDFinancial on XX/XX/year>. In discussions with EDFinancial, they told me it would take longer than XXXX month to process the paperwork and I would be placed in " processing forbearance ''. Processing forbearance will count towards the PSLF program but if EDFinancial took longer than XXXX  days to process the paperwork, then my account would be placed in " general forbearance '' which would NOT count for PSLF. I have asked EDFinancial what could be done to ensure my paperwork is processed within the XXXX days so I can have my working months at a nonprofit count towards PSLF but they did not provide any explanation. They did not explain why processing forbearance can not be extended longer if they are back-logged with paperwork. This is simply not acceptable because there is no guarantee that these general forbearance months will count towards PSLF.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear XXXX, I am writing to dispute an unauthorized credit inquiry on my credit report. Upon reviewing my report, I noticed an inquiry from All hard inquries dated several different date ranges, which I did not authorize. As this inquiry was not approved by me, I request its immediate removal from my credit report.

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 2025-03-17 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: NJ

Complaint narrative:
Dear XXXX, I am writing to dispute an unauthorized credit inquiry on my credit report. Upon reviewing my report, I noticed an inquiry from All hard inquries dated several different date ranges, which I did not authorize. As this inquiry was not approved by me, I request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CT

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief