vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: IL

Complaint narrative:
I signed up for a {$200.00} bonus promo for opening a Netspend account which stated the {$200.00} bonus would be awarded within 5 business days after requirements were met. I met the direct deposit requirements and activated my account over 5 business days ago without the bonus posting. 

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 2025-07-25 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: UT

Complaint narrative:
These accounts are unfamiliar to me and appear to be fraudulent. I ask that you conduct a thorough investigation and delete them from my credit file. Relevant documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: WA

Complaint narrative:
These accounts were created without my knowledge or consent, and I should not be accountable for them. I urge you to take swift steps to correct this matter.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MO

Complaint narrative:
On XX/XX/year>, I attempted to complete a {$500.00} transaction with XXXX using my MoneyLion RoarMoney debit card. The transaction failed and was not captured by the merchant, but the funds were placed in a pending status as an authorization hold. 

Despite this being a failed transaction, MoneyLion has refused to release the funds, claiming it will remain on hold until XX/XX/year>. I contacted the merchant, and they confirmed they did not complete or settle the transaction. 

According to XXXX XXXX XXXX and XXXX XXXX XXXX, issuing banks must release authorization holds within 7 days if a clearing transaction is not submitted. Also, under Regulation E ( 12 CFR 1005.11 ) and CFPB guidance, banks must not withhold consumer funds longer than reasonably necessary. 

MoneyLion has failed to comply with these consumer protection rules and is holding funds unlawfully after a failed transaction. The banks delay is interfering with my access to essential funds, causing XXXX XXXX XXXX XXXX XXXXThis was the only money I had and was for my upcoming rent. As well as XXXX XXXX XXXX XXXX I have contacted MoneyLion support, but they have refused to escalate or release the funds early despite being provided with evidence from the merchant.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AR

Complaint narrative:
I am a victim of identity theft and have repeatedly submitted FTC Identity Theft Reports, formal disputes, and even police reports to the credit bureaus ( Equifax, Experian, and TransUnion ) requesting the removal of fraudulent information under my rights granted by FCRA 605B. Despite doing everything required of me, the credit bureaus have refused to conduct proper investigations and continue to report accounts that are not mine. 

These fraudulent accounts and inquiries are listed in multiple disputes I have filed on the following dates : Equifax : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX Transunion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Experian : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have submitted full documentation, including : My FTC Identity Theft Report Police report confirming identity theft My government-issued ID Proof of address Even with all of this, I have received repeated responses from the credit bureaus stating the information has been verified as accurate, even though the actual creditors were never properly contacted, and no detailed investigation was done. In some cases, the items were removed temporarily and then reinsertedagain, without notice or legal justification. 

This is a clear violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  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 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelson Cruz & Associates LLC
State: KY

Complaint narrative:
Someone claiming to be from Nelson Cruz & Associates contacted me trying to collect on an outstanding balance with XXXX XXXX XXXX claiming a lien will be placed on my property. When I TRIED to explain I had NEVER received notification of said debt or have I had a XXXX XXXXXXXX credit card in over 20 years, the woman just said kept cutting me off saying notification was sent, action will be taken at the end of the month. I requested something to be sent via certified mail. I asked her to quit cutting me off. She ended the call by hanging up on me mid sentence. The phone number on my caller ID was ( XXXX ) XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
On or about XX/XX/XXXX I put in a claims to fix my gift card because it was not releasing funds I received for trading my XXXX at a XXXX by XXXX before it closed. From then until now they have not made any progress fixing the card. They keep saying we have to expedite the claim but its been a really long time. Also when I request to speak to a supervisor they put me on hold and never transfers me. I just want the money I earned from trading my console.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: MO

Complaint narrative:
I deposited a check on Monday XX/XX/XXXX in the amount of {$12000.00} issued by XXXX XXXX into my account. This is not an unusually large check or amount for this account. When the funds were not available today, I called the bank and they said the funds were on hold as standard business practice until XX/XX/XXXX. No special considerations were mentioned when asked. Pointing out that this seems an excessive time frame considering the US check clearing system ( and getting fed the line that this is done for my protection ), the customer service agent checked his data and pointed out that he can see many customers complaining in his system but without success. I did not get any information on the time funds be on hold via message, mail or the institution 's website.

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 2025-07-25 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: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, 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 non-monetary relief
Consumer complaint received 2025-07-25 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TN

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX, I signed up for the Netspend Debit Account with an offer to receive a {$200.00} bonus for direct depositing {$400.00} into the account.

" * To qualify for this offer, ( 1 ) you must acquire a new Netspend Prepaid Card 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 ( 2 ) 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 5 business days after the qualifying direct deposit activity. Limit one ( 1 ) 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 XXXX  are not affiliated in any way with this optional offer and do not endorse or sponsor this offer. '' I registered the account and activated the virtual card.

I changed my employer direct deposit information to the Netspend card and received a {$400.00} direct deposit on XXXX. 

According to the terms of the offer, the incentive would be provided within 5 business days after the qualifying direct deposit was received. 

On XX/XX/XXXX, I reached out to inquire about the bonus and I was told to wait until the end of the day XX/XX/XXXX and if I didn't receive it by then to reach out on XX/XX/XXXX. 

On XX/XX/XXXX, I reached out again to inquire about the bonus and I was told to wait until the end of the business day on XX/XX/XXXX since that marked the end of the five business day period. 

On XX/XX/XXXX, I reached out again to inquire about the bonus and I was told that a representative from Netspend would reach out to me regarding the 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 2025-07-25 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: TN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$84.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Mercedes Benz Financial Services
State: NV

Complaint narrative:
I have made several attempts to resolve this with Mercedez, I send dispute letter to the credit bureaus and the creditor has been verifying the account as accurate. I recently called again regarding the status and they confirm that my car as sold to an auction and they have the balance as {$16000.00}. As far as I know the balance is around {$10000.00}. I have asked for a documents, a payment history or something to show me how much they sold the car for transparency purposes and they are not willing to send to me.

They are not letting me get current, and they have been reporting rolling 30 days payment in my report for almost 6 years now,. Its affecting my life so bad. This is not a monthly obligation anymore.

Also file complaint against credit bureaus- put notes that they are not reporting accurate information, this is not an open account and it has to be charged off its been 6 years!!! 

XXXX XXXX XXXX MERCEDEZ BENZ Thank you How they report to the bureaus or the actual reporting to the bureaus has been affecting my credit for 6 years now, they continue to report this an open account and continue to put 30 day late for few years now. Please hel

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: NV

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : Creditor or Collection Agency Name XXXX XXXX Account Number XXXX Amount {$120.00} Date of Account XXXX Creditor or Collection Agency Name XXXX  Account Number XXXX Amount {$3500.00} Date of Account XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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