vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
This is a formal dispute regarding multiple accounts on my credit report that contain significant inaccuracies. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, you are required to report information with the maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. 
Upon reviewing my credit files from Equifax, Experian, and TransUnion, I have identified numerous discrepancies across virtually all accounts reported between, Equifax, Experian and Transunion. ( All of the accounts are showing discrepancies in the dates of last activity. ) Some have incorrect balances, inconsistent payment histories, and contradictory account statuses. The same account can not legally report differently across the national consumer reporting agencies. This renders the information unreliable, incomplete, and in violation of the FCRA. 
Please be advised that simply transmitting my dispute electronically through the e-OSCAR system and accepting a superficial verified response from a furnisher does not satisfy your independent legal obligations under the FCRA. Courts have consistently held that consumer reporting agencies must go beyond parroting information from furnishers and must ensure the accuracy of the data they report. ( You are instructed to apply the Compliance Condition CodeCCC-8 CLAIMS INACCURATE INFORMATION ) Because these accounts are demonstrably inaccurate and unverifiable, I hereby demand their permanent deletion from my credit report under FCRA 1681i ( a ) ( 5 ) ( A ). If you are unable to provide competent evidence substantiating the accuracy of the disputed accounts, you are legally obligated to delete them. 
If you claim to have verified these items, I require : XXXX. A detailed description of your reinvestigation procedures ; The method used to verify the disputed accounts ; The name, address, and telephone number of each furnisher contacted ; and Copies of any documentation you relied upon to verify the information.

Failure to comply with your statutory obligations and reliance on e-OSCAR automated parroting will constitute willful noncompliance under FCRA 1681n and 1681o, which entitles me to pursue legal remedies, including damages, attorneys fees, and costs. You have 30 days to complete your investigation or delete. DELETE : ( 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

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 2025-09-14 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: VA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting Account Name : Landmark Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am writing to dispute the accuracy of the above-referenced account currently listed on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information is accurate, complete, and verifiable. This account contains multiple material inaccuracies : 1. The Date of Last Payment is not consistent across bureaus ( reported as XX/XX/XXXX with some bureaus and XX/XX/XXXX with others ). 

XXXX. The Date Last Active is reported inconsistently ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which directly impacts the 7-year reporting period. 

XXXX. The XXXX ( {$12000.00} ) is being reported higher than the XXXX XXXX ( {$8700.00} ), which is mathematically impossible and inaccurate. 

XXXX. The payment history is not uniform. Equifax shows multiple OK statuses where TransUnion and Experian report Charge-Off for the same periods.

These discrepancies demonstrate that the account is not being reported accurately or consistently. Because the information can not be verified as accurate across all three credit bureaus, I request the immediate deletion of this account from my credit file pursuant to FCRA 611.

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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding a recent change Bank of America made to its credit card Bill Pay/AutoPay system.

Previously, customers had the option to set automatic payments based on : Minimum due A specific fixed amount The full statement balance Bank of America has now removed the option to automatically pay the full statement balance. The only option currently available is a fixed dollar amount, which does not adjust to monthly usage. 

This change has caused significant issues. For example, during a recent business trip, my credit card was repeatedly declined because the system did not process my payment. When I contacted Bank of America, I was told that the AutoPay statement balance feature had been removed. As a result, I incurred a late payment, fees, and interest all of which would have been avoided had the original AutoPay feature still been available.

The removal of this feature not only creates unnecess
ary risk of late payments and financial penalties, but also undermines consumer trust and convenience. Many customers rely on the statement balance AutoPay option to responsibly manage their credit and avoid exactly these type
s of problems.

I respectfully request the CFPB to review Bank of Americas decision and take action to protect consumers from such detrimental changes. 

Sincerely,

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 2025-09-14 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: VA

Complaint narrative:
Request for Deletion Inaccurate Reporting of XXXX Account XXXX XXXX XXXX XXXX I am writing to formally dispute the XXXX  account ( XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. After reviewing the report carefully, I found multiple serious inaccuracies that make this account unverifiable and misleading. 

Here are the key issues : 1. Account Status Conflict Experian reports this account as Paid, while TransUnion and Equifax report it as Derogatory/Charge-Off. The same account can not be reported with two different statuses.

2. Contradictory Comments TransUnion states Paid profit and loss, Experian states Unpaid balance reported as a loss, and Equifax states Paid charge off. These directly contradict each other.

3. Inconsistent Dates The date of last payment and date of last activity are different across all three bureaus ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). This shows the data is unreliable. 

4. Credit Limit Errors Equifax lists the credit limit as {$0.00}, while TransUnion and Experian report {$350.00}. A line of credit can not have both a {$0.00} and {$350.00} limit.

5. Payment History Contradictions Experian shows charge-offs and late payments, while Equifax shows OK for the same months. Both can not be correct.

Under the Fair Credit Reporting Act ( FCRA ) 1681s-2, all data furnished to the bureaus must be accurate and consistent. Since this account is reported with multiple contradictions and unverifiable information, I am requesting the immediate deletion of this tradeline from my credit file.

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 2025-09-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have Barclays XXXX credit card. I made a purchase of {$63.00} in XX/XX/year>. Due to delay in Payment i was charged a {$30.00} fee. I paid the purchase amount i.e {$63.00} in XX/XX/year>. I noted today in XXXX that an additional {$30.00} fee was charged on the late fee.

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 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian has reported incorrect information on my credit report for months. They maintain incorrect information about me and refuse to update it accordingly with the information provided by the collections department on XX/XX/year>, both to me and to other sources. Experian needs to be more diligent in how it handles consumer information. This is abusive and unfair to me as a consumer.

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 2025-09-13 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: GA

Complaint narrative:
1. Inaccurate and Outdated Personal Information Name : Not displaying consistently across reports. 
Addresses : Old and incorrect addresses remain listed, despite clear instruction to remove them. These addresses are linked to identity theft incidents. 
Phone Numbers : Several outdated numbers are still listed, which are no longer in use. 
Social Security Number & Date of Birth : Not adequately protected or redacted. 
Employer Information : Inaccurate and outdated employer listings remain. 
________________________________________ 2. Discrepancies Across Credit Bureaus Indicating Identity Theft Account numbers differ between bureaus. 
Payment statuses are reported inconsistently. 
Addresses and employer information vary widely between agencies. 
Fraudulent accounts and inquiries are still being reported, with no valid method of verification provided. 
________________________________________ 3. Failure to Investigate and Protect My Data After Major Data Breaches I have been affected by several high-profile data breaches, including : The Equifax breach XXXX XXXX ) exposed SSNs, DOBs, and addresses. 
The XXXX breach ( XXXX ) leaked hundreds of millions of personal records. 
The Experian breach ( XXXX ) involved SSNs and credit information. 
These breaches likely contributed to fraudulent accounts and misuse of my identity. I have submitted formal requests for investigation and account blocking, but all three credit bureaus have failed to : Properly investigate. 
Block fraudulent data. 
Provide methods of verification. 
Remove clearly inaccurate personal information. 
________________________________________ 4. Legal Violations Cited : 15 U.S.C. 1681i ( a ) ( 6 ) : Failure to provide the method of verification ( MOV ).

15 U.S.C. 1681c-2 : Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) : Failure to safeguard consumer data after known breaches.

15 U.S.C. 1681s-2 : Furnishing inaccurate information despite being notified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A and eviction on my credit report/teanant screening for an address on my account I never lived at.

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 2025-09-14 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: AL

Complaint narrative:
The last payment is inaccurate, Ive tried multiple times to dispute. They keep changing last payment date and the date when my loan went into collections. This is what I wrote them The reported last payment date of XX/XX/XXXX is inaccurate. My last payment was XX/XX/XXXX. Please correct this reporting under FCRA 609/611.

At first it was the changing of the collection date they never fixed it they told my theyve verified the information which is not true because how can something fabricated be verified & sent proof of when the loan actually when into collections.

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 2025-09-14 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: AL

Complaint narrative:
The last payment is inaccurate, Ive tried multiple times to dispute. They keep changing last payment date and the date when my loan went into collections. This is what I wrote them The reported last payment date of XX/XX/XXXX is inaccurate. My last payment was XX/XX/XXXX. Please correct this reporting under FCRA 609/611.

At first it was the changing of the collection date they never fixed it they told my theyve verified the information which is not true because how can something fabricated be verified & sent proof of when the loan actually when into collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing this account/ information because my personal data was illegally accessed during the recent XXXX  data breach. I did not authorize this account/inquiry/address, and it is the result of identity compromise. 
Please investigate this matter, remove the inaccurate information, and update my credit report accordingly. I do not owe {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This Account Has several Errors In The Payment Histor not limited to missing data for date XX/XX/XXXX, there are XXXX consecutive past due XXXX  day errors for dates XX/XX/XXXX and XX/XX/XXXX history. The last payment date of XX/XX/XXXX is not accurate credit report states account was past due XXXX days the date of XX/XX/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 2025-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I am a borrower enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX plan, and my federal student loans are serviced by MOHELA. In XX/XX/XXXX and again in XX/XX/XXXX, I received communications from MOHELA stating that during an administrative forbearance period, my accounts would have a 0 % interest rate and that interest would not accrue. These notices explicitly reassured me that my accounts would not be affected by the accrual of interest during this time. This was critical information for my financial planning, especially given my substantial student loan debt ( over a quarter of a XXXX dollars ). However, on or around XX/XX/XXXX, MOHELA sent out contradictory information, declaring that interest would, in fact, continue to accrue during the forbearance period. This reversal directly contradicted MOHELA 's prior assurances and resulted in the unexpected accrual of interest on my loans. This practice is unfair and caused immediate financial strain, as it increased my loan balance at a time when I was told it would not. Furthermore, I was unable to opt out of this mandated forbearance period without significant repercussions. The situation was exacerbated by the fact that MOHELA 's initial miscommunication caused many borrowers, including myself, to believe our balances were stable, only to discover later that this was not the case. This action directly violated the terms of the XXXX plan as it was initially presented.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I was targeted through a phishing message impersonating a school official with the email " XXXX '' from XXXX XXXX XXXX XXXX, offering what appeared to be a legitimate online job. The scammer sent fraudulent checks and pressured me to deposit them and immediately transfer funds through XXXX using my XXXX Bank of America account. Due to being under XXXX, I was operating under her mothers supervision. Unfortunately, the scam was sophisticated and used manipulative tactics to create urgency and confusion, resulting in a total loss of over {$9000.00} due to return item chargebacks on XXXX. 
The scam began with an email forwarded to students of the XXXX XXXX XXXX through compromised accounts of teachers on XX/XX/year>. Attached to the email is a link to a XXXX form where students are encouraged to apply for an internship in which students would assist a member of XXXX  in their tasks as requested, the form requests the students name and number. The scammer takes the information from the XXXX form and directly messages the student with the number provided on the XXXX form, claiming that they require assistance with forwarding checks to charity organizations while away on a vacation. 


Link to the evidence of the evidence given to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-14 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: MI

Complaint narrative:
Upon reviewing my credit report, I noticed a few hard inquiries listed that i do not recognize. These are the hard inquiries ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX. According to the ( FCRA ), I have the right to dispute any information that is inaccurate or unverifiable. My credit was pulled from companies that i did not give any permission to.

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 2025-09-14 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: MOHELA
State: OH

Complaint narrative:
I owe XXXX, I was a XXXX  student, I received my XXXX XXXX and Im being robbed blind I can not even touch the principle its so high. I was taken advantage of and exploited

Company response to consumer: In progress
Consumer complaint received 2025-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally froze my savings account and blocked my account online access. I have reached out multiple times to them since XX/XX/XXXX regarding this and was told they are investigating it without giving me a legitimate reason why they are investigating apart from their system flagged me, but they are dragging their feet and as of XXXX days later I still do not have access to my account or funds, and I will need the funds to pay for estimate taxes on the XXXX and credit card bills as well as other needs. This is causing me financial hardship.

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