vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year> XXXX separate XXXX transactions were conducted on XXXX of my checking accts with Bank of America. On the first acct, {$3000.00} was deducted then replaced the next day. On the second acct, deductions of {$1100.00} and {$1900.00} were processed. These transactions were not authorized by the acct holders. Additionally, we did not receive any notification from the bank that these transactions occurred. Repeated attempts via telephone and in person at the branch at XXXX XXXX, NC to obtain this documentation have been in vain. I am at a loss to understand why BoA has not reached out to me to address this claim in its entirety. For example, why did the first transaction not go through? Why wasn't a notification received on all three transactions? From what I've been able to ascertain, the bank claims the transactions were conducted on a device known to process previous XXXX transactions. This does not prove that these transactions were authorized. I do not know who " XXXX XXXX '' is ( the recipient of the XXXX transactions ). Why if I intended to sent this person {$3000.00}. would I do it in XXXX transactions?

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 2025-12-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I legally changed my name, and I updated it will all of my creditors. Equifax information services has had trouble ever since this happened with keeping my report updated and accurate. I called Equifax to attempt to fix the problem, and I was directed to their online system my.equifax.com where I could attempt a dispute online. However, their online system makes it difficult to accurately submit a dispute without selecting categories that do not apply. For example, I would have to say there was an error with my XXXX card payments just to say my name was incorrect, even though XXXX payments were reported accurately. 

Since the online option was not working, I have physically mailed Equifax exactly as they have directed me to. I included a copy of my driver 's license, a copy of my SSN card, and a cover letter detailing the problems with my report. I have physically mailed Equifax three times now over the last year and a half, and my report still has errors. I have included a copy of the letter from XX/XX/XXXX. The last two times I called Equifax, I was told that they had not received any mail from me. Initially, I thought, ok great, my copy of my driver 's license and SSN card were lost in the mail so anyone could have that information. However, on my most recent call to Equifax on XX/XX/XXXX, they told me if they had not received the mail within 90 days, it would not be available to them to fix a problem on my account, so I would have to mail them again, a fourth time. This means that they are receiving my mail and then not fixing the problem. 

So what exactly is wrong now? 

For clarity, my name on my account has been updated. My address has been updated. However, none of my account history or information is still being displayed to my creditors when I apply for credit or check my report on XXXX I applied for a new credit card with XXXX bank on XX/XX/XXXX, and when they checked my Equifax report, they denied my application for credit because there was not enough credit history in the report. This is definitely incorrect though. According to XXXX, XXXX, and my own records, as of today, XX/XX/XXXX, I have 5 open student loan accounts and 10 open revolving credit accounts. 

When I checked with the Equifax representative on XX/XX/XXXX, he claimed to be able to see my accounts in his system, but he simply told me that I will need to mail them again to fix the problem. I am coming to CFPB because the last 3 times I mailed Equifax, they did not notify me receipt of my mail as I requested in my cover letter, nor did they accurately resolve my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 
( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' : I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report XXXX information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : Capital one XXXX : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Complaint Regarding Unfair Closure of PayPal Account Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the unfair and unjustified closure of my PayPal account. My PayPal account has been active for over a year, during which time I have used it reliably for conducting business operations through my SEO service website, https : //kingsmanseo.com. 

I recently received a notification from PayPal stating that my account was permanently closed due to activity that can not be supported. Specifically, they cited that my account was involved in selling items that allegedly infringe upon copyright, trademark, or other intellectual property rights. I want to make it clear that my business does not sell any physical or digital products that would violate these policies. As a legitimate provider of SEO services, I do not engage in any activities that would breach PayPal 's Acceptable Use Policy.

Over the past year, I have encountered temporary limitations on my account several timesapproximately six instances. In each case, I promptly submitted all the requested documentation and addressed PayPals concerns, after which my account was restored. However, this recent permanent limitation has left me shocked, as I was neither notified of the specific issue nor given an opportunity to verify the concern or clarify any misunderstanding before the decision was made. 

My account has been essential for running my business, and this sudden restriction has caused significant disruption. Without prior warning or an opportunity to address the situation, I believe this decision is a misunderstanding or an error. I would greatly appreciate it if the CFPB could assist in investigating this matter to help restore my account or at least provide me with a clear explanation of the decision. 

I am more than willing to provide any additional documentation or clarification needed to resolve this issue. PayPal has been a critical part of my business operations, and this unexpected closure is having a negative impact on my ability to conduct business and serve my clients. 

Thank you for your attention to this matter, and I hope for a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I signed up for a ally " spending '' checking account on XX/XX/year>. I used the promo code " XXXX '' to get a {$200.00} bonus. 

I had direct deposits on XX/XX/XXXX ( {$2100.00} ), XX/XX/XXXX ( {$2100.00} ), and XX/XX/XXXX ( {$2000.00} ), which should have qualified me for the bonus. 

The terms state to start direct deposits within 60 days of account opening, and after XXXX consecutive monthly direct deposits, I should get my bonus within 30 days of the last direct deposit at latest. 

I messaged Ally Bank support multiple times. The first time they said they would give me the bonus after an additional 30 days which should not have happened in the first place. I waited 30 days until XX/XX/XXXX and they still did not deposit the {$200.00}. 

I messaged them again on XX/XX/XXXX and they said they will " submit a request for the back office to look into this, and to expect a response within 30-35 days. I am done playing the games with them.

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 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am disputing the accuracy of an account that the creditor/lender is reporting. This account appears only on my XXXX  credit report, and it has been reporting this way for an extended period of time. It does not appear on my Equifax or XXXX  reports, which raises concerns about inconsistent or inaccurate reporting. 

XXXX XXXX Bankruptcy - # XXXX Federal I requested that they investigate, verify the accuracy of the information, correct any inaccuracies, and provide written confirmation of their findings. I am filing this complaint because the information remains unverified or inconsistently reported, and I have not received proper resolution from the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: MD

Complaint narrative:
This complaint regards Equifaxs handling of multiple disputed tradelines and its failure to respond to a formal Method of Verification ( MOV ) request.

I disputed several inaccurate and inconsistent tradelines with Equifax. These disputes raised specific accuracy concerns, including late-payment reporting, inconsistent payment histories, and internal contradictions within the same tradeline.

After Equifax reported these items as verified, I sent a written Method of Verification request on XX/XX/year>, asking Equifax to explain how the information was verified, including whether verification was conducted through automated systems, what information was reviewed, and what procedures were used to determine accuracy. Equifax has not acknowledged or responded to this request. 

As of today, Equifax continues to report the disputed negative information without providing any explanation of its verification procedures. 

The attached exhibits are drawn from my IdentityIQ tri-merged credit report and show, for each tradeline, that : The same account is reported with different delinquency severities across credit bureaus for the same months, which can not all be accurate simultaneously. 

Certain tradelines show consecutive or escalating late payments without logical progression, curing payments, or consistent balances. 

Some accounts reflect negative payment histories that persist even after Equifax reported the account as verified, without any reconciliation of the disputed periods. 

Key reporting fields ( such as account status, payment status, dates last active, and delinquency indicators ) conflict with the reported payment histories.

These inconsistencies were specifically raised in my disputes and remain unresolved.

Equifaxs failure to respond to the MOV request prevents me from understanding how these contradictions were reviewed or how Equifax determined the information was accurate. Maintaining disputed negative information while declining to explain verification procedures raises serious concerns about the reasonableness of Equifaxs reinvestigation and the accuracy of the data it continues to report.

I am requesting that the CFPB review Equifaxs handling of these disputes, its lack of response to my Method of Verification request, and its continued reporting of unresolved negative and contradictory information. I respectfully request appropriate corrective action, including deletion or correction of any information that can not be reasonably verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
Beginning in approximately XX/XX/year>, my XXXX XXXX Account experienced ongoing unauthorized debit card transactions totaling over {$8000.00}. The transactions appeared as XXXX and XXXX charges and occurred repeatedly over several months as part of a fraud pattern. 

I did not authorize these transactions and was unaware of the fraud until it was discovered upon review of my account activity. I reported the unauthorized transactions immediately upon discovery and cooperated fully with the banks fraud investigation. 

The bank has refunded only transactions within the most recent 60 days and has denied reimbursement for earlier unauthorized transactions, citing Regulation E timing requirements. The bank has not adequately explained how statement availability was determined, whether the transactions were reasonably detectable, or why the ongoing and recurring nature of the fraud was not considered, particularly given that this was a XXXX XXXX  Account and not a daily-use checking account. key bank representative blamed me for not monitoring my account and refused to fully investigate unauthorized transactions totaling over $ XXXX. I dispute their relience on the 60 day rule and request a full regulation E review.

I am requesting full reimbursement of all unauthorized transactions and provisional credit while the matter is reviewed, as well as a proper investigation consistent with consumer protection requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
COMPLAINT AGAINST : Portfolio Recovery Associates LLC XXXX  XXXX XXXX XXXX CONSUMER NAME : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX FL XXXX ACCOUNT AT ISSUE : Portfolio Recovery Associates Account Number : XXXX XXXX SUMMARY OF COMPLAINT : I am submitting this complaint as a victim of identity theft. Portfolio Recovery Associates is reporting and attempting to collect a fraudulent account that I did not open, authorize, or benefit from. This account is the direct result of identity theft. 
I have already filed a valid FTC Identity Theft Report and an official police report documenting this fraud. Copies of these reports were provided to the companies involved. Despite receiving notice of identity theft, the account continues to be reported and was not blocked or deleted as required by federal law. 
In addition to being fraudulent, the account contains material inaccuracies. The reported date of first delinquency is XX/XX/year>, while the reported account opening date is XX/XX/year>. A delinquency can not occur before an account exists. This inconsistency demonstrates that the information being furnished is inaccurate and unverifiable. 
XXXX  continues to report the account as a collection and labels it as reinvestigation in process instead of blocking it. Portfolio Recovery Associates continues to furnish and maintain this fraudulent information.

These actions violate the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681c-2 ( Identity Theft Block ) 15 U.S.C. 1681e ( b ) ( Reasonable Procedures for Accuracy ) 15 U.S.C. 1681s-2 ( Furnisher Duties ) 15 U.S.C. 1692e ( False or Misleading Representations ) RESOLUTION REQUESTED : I am requesting the following resolution : Immediate deletion of the fraudulent Portfolio Recovery Associates account from all credit reporting agencies Written confirmation of deletion Cessation of all collection activity related to this fraudulent account This account is not subject to validation, payment, or settlement, as it is the result of identity thef

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am disputing the accuracy of an account that the creditor/lender is reporting. This account appears only on my XXXX  credit report, and it has been reporting this way for an extended period of time. It does not appear on my XXXX  or TransUnion reports, which raises concerns about inconsistent or inaccurate reporting. 

XXXX  XXXX Bankruptcy - # XXXX XXXX Bankruptcy XXXX I requested that they investigate, verify the accuracy of the information, correct any inaccuracies, and provide written confirmation of their findings. I am filing this complaint because the information remains unverified or inconsistently reported, and I have not received proper resolution from the creditor.

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 2025-12-14 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:
I am filing this complaint because Experian failed to conduct a reasonable investigation and failed to correct or delete inaccurate, unverifiable, and improperly reported information after receiving my disputes. 
I disputed multiple accounts, late payments, and inquiries, including but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite my disputes, Experian continued to report these items without providing proper verification or evidence that the information is accurate and complete as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Experian did not provide documentation showing that the creditors verified the accuracy of the accounts, nor did they demonstrate compliance with the Metro 2 reporting standards. Additionally, some accounts contain inconsistencies in balances, payment history, dates, and account status, which indicates the information is not being reported accurately. 
I am requesting that Experian be required to either provide full verification of these accounts, including original contracts and complete payment histories, or delete the accounts, late payments, and inquiries from my credit report immediately. 
I am also requesting that Experian be held accountable for failing to perform a reasonable investigation as required by 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 2025-12-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased a {$200.00} Vanilla Visa gift card at XXXX XXXX with cash using my membership one week ago. I activated the card, but I never successfully completed any purchases. Within days of activation, {$180.00} of the cards balance was charged in an unauthorized transaction, leaving {$11.00} remaining. I immediately opened a fraud case with Vanilla Gift online, but they informed me that resolution could take 4090 days. I am requesting expedited review and reimbursement or replacement, as the card was compromised before any use, and the remaining balance was never spent.

Company response to consumer: Closed with explanation