vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me. 

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
Dispute of Previously Verified Yet Inaccurate Late Payments - Request for Manual Reinvestigation. Dear CFPB, I am filing this complaint to dispute multiple inaccurate and unverified late payment entries on my TRANSUNION credit file, as of the report dated XX/XX/XXXX. The following accounts have previously been " verified '' by the credit bureaus. However, I was never provided any legally sufficient documentation or original creditor records to substantiate the alleged delinquencies. As such, the continued reporting of these late payments is a violation of the Fair Credit Reporting Act, Truth in Lending Act, and XXXX XXXX Compliance Guidelines. Disputed Accounts ( Previously " Verified '' Without Proof ) : XXXX. XXXX  XXXX XXXX, XXXX. - Auto Loan - Account Number : XXXX - Status : Closed/Paid - Alleged Lates : XXXX and XX/XX/XXXX ( 30 days late ) XXXX. XXXX XXXX  - Auto Loan - Account Number : XXXX - Status : Closed/Paid - Alleged Late : XX/XX/XXXX ( 30 days late ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Status : Closed/Paid - Alleged Lates : XXXX and XX/XX/XXXX ( 30 days late ) Grounds for Immediate Removal or Correction : Despite these accounts being marked as " verified, '' no original billing statements, proof of late delivery, or signed loan documents have been furnished to validate the delinquency under the following laws : - FCRA 611 ( a ) ( 1 ) ( A ) - Information that can not be verified must be deleted. - FCRA 609 ( a ) ( 1 ) - I have a right to examine the information used to verify these entries. - 15 U.S. Code 1666b ( a ) - A creditor may not report a payment as late unless a statement was mailed or delivered 21+ days before the due date. - XXXX XXXX Reporting Guidelines - Accurate late reporting must comply with XXXX XXXX standards.

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 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC XXXX ( b ) and 15 USC XXXX my report is required to contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: MA

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7700.00} ; fraudulent inquiries off of my report : XXXX XXXX XX/XX/year>, XXXX XX/XX/year> 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : PORTFOLIO RECOVERY A ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX  Amount : {$490.00} Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a promotional suppression to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Subject : Urgent Dispute of multiple Inaccurate Actual Payment Amounts and Charge-off Reported by Equifax on Closed Accounts in Good Standing Dear CFPB Representative, I am submitting this formal complaint against Equifax for continued inaccurate reporting of the actual payment amounts on several closed accounts in good standing on my credit report. 

Despite my ongoing dispute since XX/XX/year>, Equifax continues to report incorrect actual payment amounts as detailed below : XXXX XXXX, Account ending in XXXX Reported actual payment amount : {$21.00} ( should be {$0.00} and no charge off amount of {$1000.00} and no amount past due of XXXX XXXX is CLOSED AND PAID IN FULL. 

XXXX XXXX XXXX, Account ending in XXXX Reported actual payment amount : {$2000.00} ( should be {$0.00} closed and paid in full ) XXXX XXXX XXXX XXXX, Account ending in XXXX Reported actual payment amount : {$9600.00} ( should be {$0.00} and closed and paid in full. 

XXXX, Account ending in XXXX Reported actual payment amount : {$5500.00} ( should be {$0.00} account closed and paid in full. 
XXXX XXXX ending in XXXX Remove Activity designator to paid and closed. 

All these accounts are closed and in good standing with a {$0.00} balance. Reporting any payment amount greater than XXXX on closed accounts is inaccurate, misleading, and damaging to my credit profile. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681g ), I have the right to an accurate and complete credit report. Equifaxs failure to correct these inaccuracies violates these provisions and harms my creditworthiness.

Requested Resolution : Immediately update the actual payment amounts on all the accounts listed above to {$0.00}. 

Confirm the accounts are accurately reported as closed and in good standing with no misleading payment amount information. 

Complete these corrections within 5 days of receiving this complaint to prevent further harm to my credit. 

I have enclosed documentation confirming the closure and good standing status of these accounts. I respectfully request the CFPBs assistance in ensuring Equifax promptly investigates and corrects these errors without further delay. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: IN

Complaint narrative:
Hi, On XX/XX/year>, I saw there is a great opening bonus offer of Netspend checking account - Opening a new Netspend debit account or prepaid card, enrolling in direct deposit and getting {$400.00} direct deposit or more within 60 days acquiring the account, the costumer could get {$200.00} as bonus within XXXX business days. 

XXXX XX/XX/year>, I opened the account and my account received the direct deposit of {$420.00} on XX/XX/year>. Until today XXXX, I haven't received the {$200.00} bonus.

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 2025-08-08 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: CA

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Equifax with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX and CITICARDS XXXX XXXX, which the banks confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Equifaxs refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: OH

Complaint narrative:
On XX/XX/XXXX l opened an account through the Netspend.com website which included a banner at the top of the page which advertised " Earn {$200.00} when you Direct Deposit {$400.00} in 60 days * | Get Yours >> '' The webpage also included a picture of a debit card with the text " LIMITED TIME OFFER : Sign Up and Get a {$200.00} Bonus * '' Further down on the webpage beneath the XXXX " Get Started '' button I clicked on to apply were the words " * Receive a {$200.00} credit when you Direct Deposit {$400.00} in 60 days. Banking services provided by XXXX, XXXX, XXXX FDIC XXXX ". Near the bottom of the webpage in the second paragraph beneath XXXX and XXXX logos were the terms which stated " * To qualify for this offer, ( XXXX ) you must acquire a new Netspend XXXX XXXX or Netspend Debit Account, activate the Card or register the Account, and pass required identity verification between XX/XX/XXXX and XX/XX/XXXX and ( XXXX ) enroll in Direct Deposit and receive Direct Deposits totaling {$400.00} or more within 60 days of acquiring the account. The qualifying incentive credit will be applied to your account within XXXX business days after the qualifying direct deposit activity. Limit ( XXXX ) offer per account. Offer may not be transferred to others, exchanged for other offers, or redeemed for cash. Not valid with any other offer. Void where prohibited. 
Sponsor : XXXX XXXX XXXX XXXX XXXX, XXXX, Member FDIC, XXXX, and Visa are not affiliated in any way with this optional offer and do not endorse or sponsor this offer. '' I completed the {$400.00} or more in direct deposits on XX/XX/XXXX and should have received the promised bonus by XX/XX/XXXX. 

I sent a secure message via the " XXXX XXXX '' feature inside the Netspend XXXX XXXX app on XX/XX/XXXX inquiring about my missing bonus. I have not gotten any response or acknowledgment of having received my message. 

I have made direct deposits of {$220.00} ( on XX/XX/XXXX ) and {$170.00} ( on XX/XX/XXXX ) totaling {$400.00}. These direct deposits were acknowledged by Netspend via emails which I received from Netspend on the coordinating dates. 

I simply wish for Netspend to fulfill the {$200.00} bonus that was promised by them in the terms of the offer which they advertised.

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 2025-08-08 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Ford'

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 2025-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, a series of fraudulent transactions totaling {$1800.00} occurred across my Bank of America checking accounts. I promptly reported the fraud to the bank and followed all security procedures, yet Bank of America has not issued any provisional creditdespite my documented hardship and urgent financial need. 



XXXX : XX/XX/year> : I reported XXXX unauthorized ATM withdrawals ( {$300.00} and {$700.00} ). Claim # XXXX was opened. These occurred at different locations. 


XX/XX/year> : Bank of America opened a new account for me after the initial breach. 



XXXX XXXX XXXX : Before I even received the new debit card in the mail, an unauthorized {$800.00} withdrawal was made from this new account. Claim # XXXX was opened. 



XX/XX/year> : I received an email from a Resolution Specialist but got no written updates or further responses. Phone calls went unanswered. 



I later discovered a forged check was also deposited into my old account. It bounced and triggered a return fee. 



Despite XXXX  years of loyal banking, Ive been treated with suspicion instead of support. My provisional credit request was denied because the transactions were in the same ZIP code as my residence and considered high ticketwhich feels arbitrary and unjust. 



Because Bank of America has not credited me the disputed funds, Ive suffered serious financial fallout : My rent and bills were returned unpaid. 



My subscriptions were canceled. 



Ive incurred overdraft fees and credit card late charges. 



My credit score has likely been damaged.

Im receiving calls from collections.

Ive experienced emotional distress and fear of eviction. 



I spoke with a supervisor named XXXX on XX/XX/year>, at approximately XXXX PM XXXX. He acknowledged my requests for escalation but could not give me a decision timeline or call reference number. Ive been told that only the analyst on my case has the authority to decide and that denial notices are not mailed unless requestedwhich is unacceptable. 



Im left in limbo, without access to my own funds, and without a transparent process for resolution. 



This complaint is a follow-up to my previous filing : CFPB Complaint ID # XXXX. That case covered the initial fraud. This new complaint is about the denial of provisional credit, the cascading damage to my finances, and the lack of transparency or resolution from Bank of America despite repeated efforts to escalate.

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 2025-08-08 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: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : 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 non-monetary relief
Consumer complaint received 2025-08-08 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: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: IL

Complaint narrative:
This account is inaccurately reported across credit bureaus as both a charge-off and a collection. Additionally, the payment history reflects charge-off statuses for several months after the account was closed, and the account is still being marked derogatory even though the balance is {$0.00}. These inaccuracies directly violate my rights under the FCRA. 

Violations of the FCRA : FCRA 1681e ( b ) : Failure to ensure accurate reporting.

FCRA 1681i : Failure to reinvestigate disputed information within XXXX  days.

FCRA 1681s-2 : Reporting inaccurate information with actual knowledge of errors.

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