vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 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: VA

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 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 explanation
Consumer complaint received 2025-05-21 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I initiated a wire transfer from Bank of America to XXXX in XXXX. After two weeks, the receiving bank informed me that they had not received the funds and could not even see that a transfer had been initiated. 

When I contacted Bank of America, they told me the intermediary bank ( StoneEx ) had requested an amendment to the wire to include the XXXX. However, Bank of America stated they were unable to provide the XXXX, so the transfer remained in limbo until I followed up. I then requested that the funds be returned, and Bank of America placed a return request. 

Since then, I have called six times and consistently receive the same response : the banks are working to return the funds but are navigating differing internal policies. No additional information or estimated return date has been provided. I continue to call every other day but receive the same update each time.

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 monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account XXXX XXXX XXXX. I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
These following dates are reporting late payments on my credit report : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

On these dates, I had attempted to make payments of my monthly bill to my account. To my understanding, the payment was submitted on time, and I was surprised to learn it was marked late. Ive always made every effort to pay responsibly and on time, and I truly believed this payment had been processed as expected. If there was any technical or processing issue, Id appreciate the opportunity to clear that up. This information is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. 

All three credit bureaus ( XXXX XXXX XXXX ) are currently reporting inconsistent and conflicting information. Neither of these three credit bureaus are reporting the same information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint to ensure this issue is tended to promptly. I am disputing a charge-off account being reported under the name XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX ) with a reported charge-off date of XX/XX/scrub>/2018 and a balance of {$0.00}, which is currently appearing on both my XXXX  and Equifax credit files. This account has long been closed with a XXXX balance, and its continued reporting as a derogatory charge-off is both misleading and materially inaccurate. A charge-off implies a loss to the creditor and a delinquency on my part, yet this account shows a {$0.00} balance. If the debt has been resolved, there is no justifiable reason for this account to continue reporting as a charge-off. 

This discrepancy raises serious concerns about the accuracy and integrity of the information maintained by XXXX and Equifax. Under 15 U.S.C. 1681i, both bureaus are required to conduct a full and proper reinvestigation of disputed items and to delete or correct any information that is incomplete, inaccurate, or unverifiable. Moreover, under 15 U.S.C. 1681e ( b ), they are legally obligated to maintain maximum possible accuracy. The ongoing reporting of a charge-off with a {$0.00} balance suggests that no actual reinvestigation occurred, or worse, that they relied solely on unverifiable or incomplete data provided by the furnisher. This type of reporting is deceptive, harmful, and may have stemmed from wider systemic issues including unaddressed data breaches.

In addition, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have exposed how Equifax failed to properly investigate consumer disputes. According to the CFPB, Equifax was found to be conducting sham investigations in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), and failed to correct unverifiable data under 15 U.S.C. 1681i ( a ) ( 5 ). The inclusion of this inaccurate CB/WAYFAIR charge-off is consistent with the kind of disregard for compliance that has now been publicly documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Corp Solutions Inc.
State: WI

Complaint narrative:
I applied for a personal loan from lending point for {$3000.00} Payments were set up for XXXX. Received a loan payoff approximately XXXX XXXX later for said debt. Months pass by and I recieve a collection notice. I emailed both original lender and debt collection agency my loan payoff. Original lender then sent an email saying I owed them XXXX for the XXXX loan. New debt collector still trying to collect debt for XXXX plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
This is also a follow-up complaint regarding the reporting of an outdated late payment tied to a closed account with XXXX ( Account Number XXXX XXXX XXXX XXXX XXXX XXXX ), with a reported delinquency dated XX/XX/XXXX. While the account currently reflects a {$0.00} balance and shows no past due amount, the late payment entry continues to linger across all three credit bureausTransUnion, XXXX, and XXXX This outdated derogatory remark is well beyond the seven-year reporting period allowed under 15 U.S.C. 1681c ( a ) ( 5 ), which clearly states that any adverse information, including late payments, must be removed after seven years from the date of delinquency.

More concerning is the fact that these outdated derogatory marks, though associated with closed and resolved accounts, still impact creditworthiness in subtle but harmful ways. Its highly questionable why any of the credit bureaus would continue to include a late payment from XXXX in XXXX. This suggests a failure in data hygiene, or even possible negligence when updating or purging old files. Considering the prevalence of data breaches in recent years, it is also possible that outdated and incorrect records are being recirculated due to improper data management or unauthorized re-entries. The continued inclusion of this obsolete negative item signals a breakdown in the fair and lawful operation of the bureaus reporting systems, particularly with XXXX  which was recently cited by the CFPB for failing to perform reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and to correct or delete unverifiable information under 1681i ( a ) ( 5 ).

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Subject : Dispute of Inaccurate Bankruptcy Entry on Credit Report Case # XXXX Dear : Experian/XXXX I am writing to formally dispute the bankruptcy listing on my credit report under the following details : Bankruptcy Type : Chapter XXXX Case Number : XXXX Status : XXXX Court : United States Bankruptcy Court District of South Carolina The reason why I am disputing this account is because the information is inaccurately reported. After reviewing my credit report, I noticed inconsistencies in how this bankruptcy is recorded. In addition, I have verified with the court that they do not report this information to credit bureaus, which means that its presence on my report may have been obtained through unverifiable or third-party means. 

Under the Fair Credit Reporting Act ( FCRA ), only complete, accurate, and verifiable information can be included in my credit file. I request that this bankruptcy entry be fully investigated and removed if it can not be verified directly with the source.

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 2025-05-21 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: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-21 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: FL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST HAWAIIAN, INC.
State: FL

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Illegal Re-Aging of Charge-Off by First Hawaiian Bank XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Representative, I am writing to file a formal complaint against First Hawaiian Bank for what appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically regarding the illegal re-aging of a charge-off account that has led to substantial and unjustified harm to my credit profile.

Background : I have been working with a third-party debt resolution company to settle an old debt previously reported by First Hawaiian Bank . I had extensive communication with the bank 's collection department, including multiple conversations with a department XXXX, who clearly informed me that they do not have the ability to report any new activity or changes to the credit bureaus regarding this account. 

However, after reviewing my credit reports dated XX/XX/XXXX, and XX/XX/XXXX, a serious discrepancy has come to light : - On the XX/XX/XXXX report, the First Hawaiian Bank account was listed as a charge-off, with last activity dated XX/XX/XXXX, and an on-time payment rate of 92 %. 
- On the XX/XX/XXXX report, the same account was re-aged to reflect recent activity as of XXXX XXXX, and the payment history now falsely reflects 100 % on-time payments, including fabricated payments in XXXX, XXXX, and XXXX XXXX of which I made. 

Impact : Due to this re-aging manipulation : - My XXXX XXXX dropped by over XXXX points across all three credit bureaus : XXXX XXXX, and XXXX. 
-This negatively impacts my ability to qualify for credit, secure favorable interest rates, or continue financial recovery efforts in good faith. 

FCRA Violation : The act of re-aging a charged-off account without a legitimate update or payment constitutes a violation of FCRA Section 623 ( a ) ( 5 ), which prohibits data furnishers from altering the Date of First Delinquency to make derogatory accounts appear more recent than they are. This practice is misleading and illegal.

Request for CFPB Action : I respectfully request that the CFPB : 1.Investigate First Hawaiian Bank 's credit reporting practices regarding this account.

2. Require the bank to correct the re-aged information across all credit bureaus.

3. Impose any necessary enforcement actions to ensure compliance with federal credit reporting laws.

4. Ensure that my credit scores are recalculated appropriately based on corrected information. 

Enclosed/attached are copies of both credit reports and relevant documentation to support my claim. 

I appreciate your time and advocacy in ensuring fair and accurate credit reporting practices for consumers like myself. 



Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I am a victim of identity theft, and several unauthorized inquiries and fraudulent accounts have been reported on my credit file. I have submitted an FTC Identity Theft Report and supporting documents to the credit bureaus, including proof of identity, a list of the fraudulent items, and a sworn statement. Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c2 ), the credit bureaus are legally required to block fraudulent information within 4 business days of receiving these materials. 

Despite this, the items remain unblocked. These include multiple unauthorized hard inquiries from companies like XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and others, as well as fraudulent accounts with XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. 

I request that the CFPB enforce this provision and ensure the fraudulent items are blocked or permanently removed in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I am a victim of identity theft, and several unauthorized inquiries and fraudulent accounts have been reported on my credit file. I have submitted an FTC Identity Theft Report and supporting documents to the credit bureaus, including proof of identity, a list of the fraudulent items, and a sworn statement. Under the Fair Credit Reporting Act, Section 605B ( 15 U.S.C. 1681c2 ), the credit bureaus are legally required to block fraudulent information within 4 business days of receiving these materials. 

Despite this, the items remain unblocked. These include multiple unauthorized hard inquiries from companies like XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, and others, as well as fraudulent accounts with XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. 

I request that the CFPB enforce this provision and ensure the fraudulent items are blocked or permanently removed in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: LOBEL FINANCIAL CORPORATION
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : LOBEL FINANCIAL XXXX XXXX XXXX XXXX. 
XXXX, California XXXX Subject : Formal Dispute of Unverifiable Late Payments Lobel Financial Dear CFPB, I am writing to formally dispute inaccurate and unverifiable information being reported on my credit file under the account listed as Lobel Financial XXXX 

Specifically, the report reflects late payments which I believe to be inaccurate and unverifiable. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting that you conduct a full investigation and remove these late payments unless Lobel Financial can provide verifiable documentation proving their accuracy.

Additionally, under 15 U.S.C. 1681s-2, furnishers of information, such as Lobel Financial , are legally required to report only accurate information. Reporting unverifiable late payments violates this statute and is causing undue harm to my creditworthiness. 

Please consider this letter a formal dispute and request to : Investigate the account and late payment entries reported by Lobel Financial. 
Require Lobel Financial to provide sufficient evidence that substantiates these late payments. 
Remove the late payment entries if they can not be verified in compliance with the FCRA. 
Enclosed are a copy of my credit report with the disputed account highlighted, along with a copy of my identification for verification purposes. 

Please respond to my request in writing within the XXXX period allowed by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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