vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: LA

Complaint narrative:
My account 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 2025-05-09 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-09 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: IA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NY

Complaint narrative:
I formally filed a complaint under the Family Educational Rights and Privacy Act ( FERPA ) regarding the unauthorized access to my personally identifiable information by XXXX XXXX and his employees through the Department of Education databases. On or around XX/XX/year>, I became aware that individuals associated with XXXX XXXX, who are neither school officials nor authorized representatives, accessed databases that include my personal education records without my knowledge or consent. I am aware that usage of database is monitored, recorded and/or subject to audit. I did not provide any authorization for such access, and I believe this constitutes a violation of my FERPA rights. To my understanding, the Department of Education is required to safeguard students ' personal records and only grant access to authorized parties under FERPA guidelines. The unauthorized access by private individuals or corporate representatives is a serious breach of these protections. I respectfully request that your office investigate this matter and take appropriate action to ensure my personal information remains protected. Please provide me with any relevant findings, corrective actions, and steps I can take to prevent further unauthorized access to my records. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or around early XX/XX/XXXX, I was offered and accepted a 0.00 % promotional APR balance transfer on my Chase Sapphire Reserve credit card. The offer, which I accepted on approximately XX/XX/XXXX, was for a 0 % APR through my billing cycle ending in XX/XX/XXXX, with a 5 % transfer fee. I paid this fee and proceeded with the balance transfer. 

Shortly thereafter, Chase I realized my interest saving balance was not calculated correctly. After calling Chase, they informed me that they would not honor the 0 % APR on the transferred balance because I had existing " Pay Over Time '' ( flexible financing ) arrangements on my account. They stated that interest would accrue on this newly transferred balance. 

I contested this, arguing that the terms and conditions provided at the time I accepted the XX/XX/XXXX, balance transfer offer did not clearly or conspicuously disclose that pre-existing " Pay Over Time '' plans would invalidate the 0 % APR on the transferred balance itself. I insisted as it would not make sense for me to pay a 5 % transfer fee on a {$4500.00} balance transfer if I will not receive a 0 % XXXX as promised. They charged me the fee, and then they will also charge a ~20 % APR, which makes no logical sense. 

I corresponded with Chase, and on XX/XX/XXXX, they sent two letters. One confusingly addressed an unrelated balance transfer from XXXX. The other attempted to explain their " Interest Saving Balance '' policy, stating it's " not available for balance transfers '' and that making a balance transfer means " you lose interest-free period for new purchases. '' This still did not clarify why the advertised 0 % APR wouldn't apply to the transferred balance due to existing plans, a condition not apparent in the offer 's terms. 

I sent a formal complaint letter on XX/XX/XXXX outlining these points. 

I have now received a final response from Chase ( dated XX/XX/XXXX ), stating I have 'reached the highest point of escalation ' and that they 'are unable to make any adjustments as per the terms of the promotional offers. ' Their explanation reiterated that taking advantage of a balance transfer offer means 'you will lose your interest-free period on new purchases, ' which is not my primary dispute. My dispute is about the 0 % APR not applying to the transferred balance itself a fact they claim is due to the terms, but which was not clearly disclosed in the terms for this specific balance transfer offer in relation to existing 'Pay Over Time ' plans. Chase states they will 'no longer respond to this specific inquiry unless you have new information. ' I believe Chase 's initial offer was misleading because it did not adequately disclose a critical condition that would negate the primary benefit of the offer the 0 % APR on the transferred funds

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NV

Complaint narrative:
I am writing to formally dispute the above-referenced debt on my credit report, and to request immediate verification of the debt in compliance with 15 U.S.C. 1681e ( b ), which mandates that you accurately verify all information reported on my credit report. Specifically, I am requesting that you provide me with the following : A copy of the original contract that I allegedly signed with your company or the original creditor ( XXXX  XXXX or XXXX  XXXX ) for the debts listed, which shows my signature and authorization of the transaction. 

Proof that this debt is valid, including any documentation that proves I agreed to the terms of this alleged debt. 

Proof that the transaction was not fraudulent or unauthorized, as I dispute the validity of these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Account : XXXX I am disputing the accuracy of the bankruptcy reporting on my TransUnion credit file. I have submitted multiple disputes regarding this information, yet you continue to verify it. You have listed the furnisher as U.S. Bankruptcy Court, XXXX, MI, which is factually incorrect. I have contacted the U.S. Bankruptcy Court, and they confirmed they do not report any consumer information to credit reporting agencies. 

The data you are reporting appears to have been obtained from XXXX, a public records database, which is not a data furnisher as defined under the Fair Credit Reporting Act ( FCRA ). Reporting public record information without a valid data furnisher relationship is misleading and violates 15 U.S.C. 1681e ( b ), which requires you to maintain maximum possible accuracy. 

Additionally, your continued verification of this inaccurate information despite my prior disputes violates 15 U.S.C. 1681i, which requires you to conduct a reasonable reinvestigation when a consumer challenges the accuracy of reported information. 

I am demanding the immediate deletion of this bankruptcy from my TransUnion credit report. Failure to comply will result in my pursuit of legal remedies, including arbitration.

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 2025-05-09 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: NJ

Complaint narrative:
Subject : TransUnion Failing to Update Credit Report Despite Creditor Correction To Whom It May Concern : I am submitting this complaint because TransUnion has failed to correct an inaccurate remark on my credit report, despite receiving formal instructions from my creditor, XXXX XXXX XXXX, to update the information. 

The account in question is with XXXX XXXX XXXX, ending in XXXX. The issue involves an incorrect and damaging remark that the account was settled for less than full balancewhich is completely false. This account has been in good standing and was never settled. In fact, it currently reflects a {$0.00} balance and is active. 

After multiple disputes, on XX/XX/year>, I received a written letter from XXXX XXXX XXXX  confirming that they submitted the correct reporting instructions to TransUnion to remove the inaccurate information. A copy of this letter is attached to this complaint. 

Despite this, TransUnion continues to reflect the inaccurate remark on my credit report, which has led to significant credit score drops, inconsistencies across platforms, and potential harm to my financial credibility. Each time I call TransUnion, I am told to wait for the dispute process to complete, even though the creditor has already confirmed the correction. 

I am requesting immediate action from the CFPB to ensure TransUnion corrects my credit report in line with the instructions provided by XXXX XXXX XXXX, and that my XXXXScore and FICO score are restored accordingly. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NJ 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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
threatened to sue and damage credit this has been ongoing since XX/XX/year> ( XXXX yrs, XXXX mos ). I never received anything saying they owned it. It was charged off meaning it was a tax write off which I never received a 1099c for. 
also XXXX XXXX XXXX  where the debt collector doesn't own debt since it was a write off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: PA

Complaint narrative:
Im reaching out to file a formal complaint about how PHFA ( Pennsylvania Housing Finance Agency ) is reporting my mortgage account. Ive done a side-by-side comparison of all three of my credit reports, and the information being reported is not only inconsistent but legally questionable. 

There are multiple dates that dont match like the last active and last payment dates. For example, Experian says XX/XX/XXXX, while Equifax says XX/XX/XXXX. This inconsistency is unfair and directly violates FCRA XXXX ( b ), which says credit reporting must be the most accurate and complete possible. It's not fair to be penalized over something lenders cant even agree on. 

Whats worse is that PHFA marked me 30 days late but I dont recall getting any notice or documentation before they did that. If they never sent a notice or failed to properly disclose how and when they'd report my account as late, thats a Truth in Lending Act ( TILA ) violation. I was never given a real chance to fix the issue before it impacted my credit, and thats not how this should work.

Under FCRA 1681i ( 5 ) ( A ), if any part of what theyre reporting is unverifiable or incomplete, it has to be deleted not updated. If PHFA cant produce clear evidence that these lates are valid and legally reported, then they dont belong on my report.

Im also aware of my rights under RESPA 2605, which requires mortgage servicers to properly respond to Qualified Written Requests ( QWRs ). Im prepared to issue one if needed, but I hope this complaint gets PHFA to fix this and respond with real answers.

This inaccurate reporting has impacted my ability to move forward financially, and I need these lates removed. Im not just disputing data Im asking for fairness and accountability from a company that handles peoples homes. Im asking for this to be taken seriously.

Requested Resolution : Please remove the late payments and investigate whether PHFA followed the law in how they reported and disclosed these delinquencies. If the information can not be verified with documentation, I am asking for full deletion of the derogatory data as required under the FCRA and other consumer protection laws. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I applied for a XXXX loan with XXXX and submitted my most recent tax returns for XXXX and XXXX. As a XXXX XXXX, I file taxes on an extension and plan to file my XXXX taxes before the IRS deadline in XX/XX/XXXX. After submitting my application, I was told that XXXX taxes were required to verify income, even though they are not yet filed. There was no prior indication that XXXX returns would be necessary, and XXXX does not accept valid IRS tax extensions as part of their process. 

Because of this, my application was denied and a hard credit inquiry was left on my credit report. I believe this inquiry was conducted under misleading circumstances, since I was not informed up front that anything less than XXXX and XXXX returns would be rejected. My XXXX and XXXX filings are current and legitimate under federal tax law. 

XXXX automated system does not appear to accommodate the realities of business income or the IRS extension process. This has impacted my credit standing without a fair opportunity to meet the stated documentation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased a Dell computer using financing through Dell Pay ( Comenity Capital Bank ) and returned it within the valid return period in XX/XX/year>. Despite this, Comenity continues to report a balance, which is now negatively affecting my credit score. I have contacted both Dell and Comenity multiple times. Dell confirms the return was processed and refunded, yet Comenity claims I still owe a balancepossibly due to a promotional plan cutoff or a returned payment. I am continuously bounced between both companies with no resolution. This unresolved billing error is unjust and harmful, and I am requesting that the balance be removed and the derogatory credit reporting be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had had a total of XXXX deposited into my cashapp account on XX/XX/XXXX at XXXX XXXX I bought a couple things then went to sleep. Fast forward I wake up at XXXX XX/XX/XXXX to an email from cashapp saying that the pin to my card has been changed and the email linked to my account has been changed this happened around XXXX I was on the phone with cashapp support by around XXXX oclock when i finally got to the right person they told me that the remaining XXXX has been sent to an unknown account and suggested I put in a claim for the fraudulent transaction not even a full 3 days they close my dispute with no word

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I am disputing this due to the product ( XXXX phone ) being shipped and returned. I have a XXXX shipping number that is confirming the device was returned. I also have an associated case number that was filled with XXXX on this issue that confirms they have been made aware of the device being shipped to them and the issue of incorrectly charging for the debt. I also have audio recordings of phone calls with them on this issue. 

XXXX shipping number - XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Blockchain.com, Inc.

Complaint narrative:
I am trying to access my funds from blockchain.com but they have all of my funds in a custodial wallet. When I try and move my funds to another wallet or to my bank account they hold the funds in pending manual review They will not let me access the funds. They will not tell me why this is happening or what to do to stop it. I have a fully verified account and their support have stopped responding to my emails. 

They will not tell me while they are holding my money or how I can access it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MD

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 2025-05-09 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: 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 explanation