vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HAWAIIAN, INC.

Complaint narrative:
This is simply a follow up to case XXXX XXXXXXXX. I wrote to XXXX at the XXXX asking why the stop payment was applied. She said it was an old stop payment. I corrected her, pointing out that it arrived after I provided my new address. The previous stop payment ran out on XX/XX/XXXX & this cheque was written on XX/XX/XXXX. There was no reason for a stop payment, other than with holding my money. 
This is the XXXX stop payment & each time they wait XXXX  days before issuing a new cheque. 
I now have nearly {$300.00} in phone bills & countless hours attempting to get my money since early XXXX. I still dont have it & I feel I should be compensated. 

Thank you for any help, XXXX XXXX All information can be found in XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance {$22000.00} XXXX XXXXXXXX Balance {$25000.00}

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 2025-02-28 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
XX/XX/XXXX, I paid my balance of approximately {$1300.00} in full to XXXX XXXX. I have 8 YEARS of on-time payments on my credit report. I have ALWAYS HAD AUTOPAY for XXXX XXXX and all of my bills. This XXXX, XXXX, XXXX  XXXX placed a 30 day LATE PAYMENT FOR {$33.00} on my credit report which dropped my credit score tremendously. I called. A Representative stated that the company policy is if your balance is XXXX for longer than 2 months, they automatically Cancel your AUTOPAY. Therefore when my payment due came in XX/XX/XXXX, they could Not collect the payment. I have NEVERRRR BEEN LATE FOR 8 YEARS. I NEED THIS changed ASAP please. The supervisor talked to me. He stated that the Representative will be reprimanded by him because she gave false information. Please update this ONE PAYMENT. I DEMANDED that they turn my AUTOPAY back on. 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 2025-02-28 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: CA

Complaint narrative:
My account has a credit of XXXX but the other loan I owe XXXX. Why am I still paying interest on this loan when it should be zeroed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
This is in regards to USAA continuously locking people completely out of their account after reporting of a fraud charge by the consumer. If I am reporting a charge why then am I the one being investigated that you can't speak to me. This is ridiculous.

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 2025-02-28 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: FL

Complaint narrative:
TransUnion has willfully violated the Fair Credit Reporting Act ( FCRA ) by failing to conduct a real investigation into my dispute, as required under 15 U.S.C. 1681i ( a ). Despite multiple disputes, TransUnion has refused to verify my late payments with actual documentation, instead sending a generic response claiming that the information was accurate without proof. 

TransUnions Violations of the FCRA : 15 U.S.C. 1681i ( a ) : Failure to properly reinvestigate my dispute. 
15 U.S.C. 1681e ( b ) : Continuing to report inaccurate and unverified information.

15 U.S.C. 1666b : Failure to provide proof that the creditor sent a 21-day notice before marking my account late.

15 U.S.C. 1681n : Willful noncompliance with the FCRA, entitling me to statutory damages of up to {$1000.00} per violation. 

Immediate Resolution Required : TransUnion is in clear violation of 15 U.S.C. 1681n, which states that I am entitled to statutory damages of {$1000.00} per violation, plus additional compensation for financial harm and distress. 

I demand that TransUnion immediately : 1. Update all seven ( 7 ) late payments to Paid, Never Late.

2. Issue a check for the damages caused by these violations, as required under FCRA Section 616.

3. Provide written confirmation of these updates and compensation within five ( 5 ) business days. 

If this issue is not corrected, I will proceed with my lawsuit in XXXX XXXX XXXX XXXX XXXX for statutory damages of up to {$8000.00}, plus additional damages for emotional distress and financial harm. 

I expect an immediate resolution and full compliance with 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 2025-02-28 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: CA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

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 2025-02-28 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: LA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-02-28 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: NJ

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: DE

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-02-28 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: CA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of County of XXXX XXXX ( Child Support ) opened on XX/XX/XXXX ; XXXX  XXXX ( Credit Card ) opened on XX/XX/XXXXXXXX XXXX XXXX XXXX ( Credit Card ) opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Account ) opened on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Collection Account ) opened on XX/XX/XXXX ; and unauthorized hard inquiries from XXXX of Downtown on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts, collections, or hard inquiries as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts and inquiries are the result of identity theft and fraud.

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 2025-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion regarding the reporting of inaccurate information on my credit report. 

Disputed Account Information : Account Number : [ XXXX ] Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Name : [ Name of Creditor if available ] Nature of Violations : Reinsertion ViolationThe above account was previously disputed and successfully removed from my credit report. However, TransUnion reinserted the account without providing any written notice or explanation, which is a direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the FCRA. According to this provision, credit bureaus are required to notify consumers within five business days if previously deleted information is reinserted. 

Inaccuracy in ReportingThe account is reported as closed with a {$0.00} balance, but TransUnion continues to report late payment marks. This is inaccurate and violates 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to maintain maximum possible accuracy in consumer reports. 

Failure to Conduct Reasonable InvestigationI submitted a formal dispute to TransUnion regarding this account. The response I received did not include any documentation verifying the account 's accuracy or validity, which is a violation of 15 U.S.C. 1681i ( a ). Credit bureaus are required to conduct a reasonable investigation and provide supporting evidence when verifying disputed information.

Requested Resolution : The immediate deletion of the disputed account from my credit report. 

Written confirmation of the deletion. 

Notification to XXXX and XXXX regarding the correction. 

I believe these violations demonstrate a clear disregard for my consumer rights under the FCRA. If no action is taken, I request the FTC to launch an investigation into TransUnion 's non-compliance and take the necessary enforcement actions. 

Thank you for your attention to this matter. I trust the FTC will take appropriate action to protect consumers from unlawful credit reporting practices.

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 2025-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
This company shellpoint refused my payment in XX/XX/year>2020 telling me i would not need to make payments untill XXXX or XXXX at which time all missed payments would be put in a XXXX interest free deferred mortgage which could be paid after XXXX loan is payed off. None of what they told me was even remotely true. My credit was effected, they didnt ever so much as even mention a deferment after they allowed me to be several payments behind. The only thing they have done rite was fix part if their false reporting to credit berau. Because of all what transpired since i purposely stopped making payments as they would not honor what they promised but continue to report false principle amount owed to credit barau. There are so many other variables yo this too many to state here. They constantly send me false statements showing what i owe to be more than actual making things very confusing. They have what seems like locked me out of online access to my account, not responded to my letters and everytime i call i am made to think they will do something about this all which actually helps me not hinders me. The modification they forced me into had not XXXX benefit for me. They now have a company doing the forclosure the XXXX different conpany now that has tried to forclose on my home which wont happen as i can pay my missed payments but i refuse to untill they fix these issues

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 2025-02-28 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: FL

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-02-28 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: NC

Complaint narrative:
XX/XX/XXXX, I paid my balance of approximately {$1300.00} in full to XXXX XXXX. I have 8 YEARS of on-time payments on my credit report. I have ALWAYS HAD AUTOPAY for XXXX XXXX and all of my bills. This XXXX, XXXX, XXXX  XXXX placed a 30 day LATE PAYMENT FOR {$33.00} on my credit report which dropped my credit score tremendously. I called. A Representative stated that the company policy is if your balance is XXXX for longer than 2 months, they automatically Cancel your AUTOPAY. Therefore when my payment due came in XX/XX/XXXX, they could Not collect the payment. I have NEVERRRR BEEN LATE FOR 8 YEARS. I NEED THIS changed ASAP please. The supervisor talked to me. He stated that the Representative will be reprimanded by him because she gave false information. Please update this ONE PAYMENT. I DEMANDED that they turn my AUTOPAY back on. 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