vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I submitted a Regulation E claim to Bank of America ( Claim # XXXX ) after two XXXX transfers totaling {$500.00} were sent in error to the same recipient. 

On XX/XX/year>, I accidentally sent {$250.00} to XXXX XXXX ( via XXXX ). 

On XX/XX/year>, I attempted to request a refund through XXXX, but inadvertently sent another {$250.00} instead of requesting funds. This was an incorrect transaction, not a valid payment. 

I immediately contacted the recipient by phone and text to request return of the funds but received no response. 

Upon reviewing my XXXX and XX/XX/year> bank statements, I noticed the error and filed a Regulation E claim on XX/XX/year>, with a formal written follow-up submitted on XX/XX/year>. These notices were provided within the 60-day window required under 12 CFR 1005.11 ( b ) ( 1 ).

I specifically requested the claim be classified as an " incorrect electronic fund transfer '' under 12 CFR 1005.11 ( a ) ( 1 ) ( ii ), which includes transfers made in errorregardless of whether the recipient is known or not.

Bank of America denied the claim, stating the funds were sent to the correct recipient. This determination is incorrect and irrelevant under Regulation E, which protects against erroneous transfers regardless of recipient identity. The second XXXX transaction was not a valid or authorized payment and clearly qualifies as an incorrect transfer under federal law. 

I also provided documentation and communication attempts with the recipient, which are available here : 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Credit inquiries that I did not authorized 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: SC

Complaint narrative:
I am submitting to you regarding multiple inaccuracies that appear on my credit report, which have caused me significant emotional and financial distress. This letter is being sent pursuant to the Fair Credit Reporting Act ( FCRA ) under the following sections : 611 ( 15 U.S.C 1681i ) Dispute of inaccurate information with credit bureaus. 623 ( a ) ( 2 ) Duty of furnishers to correct and update information, 623 ( b ) Furnishers duty to investigate disputed information, 602 Congressional findings and purpose regarding fairness, accuracy, and consumer protection. After reviewing my report, I found several errors that must be investigated and corrected immediately. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$780.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2800.00} CXXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX  XXXX  XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX Balance Owed : {$610.00} XXXX  XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-10 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: SC

Complaint narrative:
I am submitting to you regarding multiple inaccuracies that appear on my credit report, which have caused me significant emotional and financial distress. This letter is being sent pursuant to the Fair Credit Reporting Act ( FCRA ) under the following sections : 611 ( 15 U.S.C 1681i ) Dispute of inaccurate information with credit bureaus. 623 ( a ) ( 2 ) Duty of furnishers to correct and update information, 623 ( b ) Furnishers duty to investigate disputed information, 602 Congressional findings and purpose regarding fairness, accuracy, and consumer protection. After reviewing my report, I found several errors that must be investigated and corrected immediately. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$780.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} XXXX  XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2800.00} CXXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX  XXXX  XXXXXXXX XXXX XXXX Balance Owed : {$1500.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX Balance Owed : {$610.00} XXXX  XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are multiple inaccuracies being reported on my credit reports by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX, which have not been corrected by Experian, Equifax, or TransUnion. 

The credit bureaus are also reporting wrong personal information, including old and inaccurate addresses, incorrect phone numbers, and misspellings of my name. These errors have been on my reports for an extended period and are still not fixed. 

I have mailed dispute letters and called each bureau multiple times requesting that my personal information and these inaccurate accounts be investigated and corrected. Although the bureaus show investigation results on my credit files, the investigations appeared to be computer-generated and completed within a few hours, with no real corrections made. It does not seem that any human review took place, and the problems remain unresolved. 

The accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX continue to show conflicting dates, wrong balances, and inaccurate statuses. The bureaus have failed to ensure maximum possible accuracy as required under FCRA 607 ( b ) and have not conducted reasonable reinvestigations under FCRA 611 ( a ).

I have also filed seven complaints with the CFPB in the past, but the responses from the credit bureaus claimed they were duplicate complaints, without addressing the underlying issues.

I am asking that the CFPB require Experian, Equifax, and TransUnion to : Fully reinvestigate these disputed accounts and my personal identifying information.

Delete all unverifiable or inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are multiple inaccuracies being reported on my credit reports by XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX, which have not been corrected by Experian, Equifax, or TransUnion. 

The credit bureaus are also reporting wrong personal information, including old and inaccurate addresses, incorrect phone numbers, and misspellings of my name. These errors have been on my reports for an extended period and are still not fixed. 

I have mailed dispute letters and called each bureau multiple times requesting that my personal information and these inaccurate accounts be investigated and corrected. Although the bureaus show investigation results on my credit files, the investigations appeared to be computer-generated and completed within a few hours, with no real corrections made. It does not seem that any human review took place, and the problems remain unresolved. 

The accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX XXXX XXXX continue to show conflicting dates, wrong balances, and inaccurate statuses. The bureaus have failed to ensure maximum possible accuracy as required under FCRA 607 ( b ) and have not conducted reasonable reinvestigations under FCRA 611 ( a ).

I have also filed seven complaints with the CFPB in the past, but the responses from the credit bureaus claimed they were duplicate complaints, without addressing the underlying issues.

I am asking that the CFPB require Experian, Equifax, and TransUnion to : Fully reinvestigate these disputed accounts and my personal identifying information.

Delete all unverifiable or inaccurate data.

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 2025-11-10 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am submittting to formally dispute certain late payment on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C 1681i ). After reviewing my report carefully, I identified multiple entries that do not accurately reflect my credit history and financial responsibility. 
The accounts in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Under FCRA 623 ( a ) ( 2 ), furnishers have a duty to report accurate information and promptly correct errors. Additionally, FCRA 623 ( b ) requires furnishers to conduct a reasonable investigation when a consumer disputes information. The inaccuracies above suggest a failure to comply with these obligations. Moreover, FCRA 602 emphasizes that Congress intended credit reporting to promote fairness, accuracy, and the protection of consumer information. The misreporting of these accounts violates these principles and has caused undue stress and potential financial harm.

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Subject : Credit Report Dispute Predatory Lending and Inaccurate Account Information Message : Hello, I am disputing an account on my credit report that resulted from predatory lending practices. The account details are as follows : Creditor Name : Santander Reason for Dispute : The loan was issued under unfair and deceptive terms that were not fully disclosed, resulting in an unjust financial obligation. I believe this account should not be reported or should be removed due to the predatory nature of the lending and the harm it caused. 

I request that this account be thoroughly investigated and removed or corrected in compliance with the Fair Credit Reporting Act ( FCRA ). I have attached supporting documents and correspondence that demonstrate the deceptive terms and unfair practices. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX, Account name : XXXX  XXXX, Account name : XXXX Account name : XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A, section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  XXXX, Account name : XXXX XXXX, Account name : XXXX  XXXX, Account name : XXXX Account name : XXXX XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A, section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX the revised dispute letter with your information included : -- - XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I am writing to formally dispute the inaccuracies on my Equifax credit report as outlined below. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate or incomplete. 

XXXX. * * XXXX XXXX * * - * * Opened * * : XX/XX/XXXX - * * Balance * * : {$730.00} This account is inaccurate and should be removed immediately. 

XXXX. * * XXXX XXXX XXXX * * - * * Balance * * : {$980.00} This account is also inaccurate and must be deleted from my credit report. 

XXXX. * * XXXX XXXX XXXX * * - * * Opened * * : XX/XX/XXXX This auto loan was paid in full. I demand the complete deletion of this account, as it has been resolved for over a year. 

These entries are not only incorrect but also violate my rights under the FCRA, which requires that you maintain accurate and complete information in consumer reports. As such, I expect the immediate removal of these accounts from my credit report. 

Please conduct a thorough investigation and provide me with written confirmation of the results. I expect to hear back from you within the XXXX timeframe mandated by the FCRA. 

Enclosed are copies of documents supporting my claims, including payment records and correspondence regarding the status of these accounts. I am prepared to escalate this matter to the appropriate regulatory agencies if these inaccuracies are not resolved promptly. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX  XXXXXXXX XXXX XXXX, XXXX, GA XXXX XXXX  XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Request for Removal of Unauthorized or XXXX XXXX XXXX Dear Credit Bureau, I am writing to formally dispute several inquiries appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 604, only authorized inquiries for which I have provided written consent may appear on my report. I am requesting that you investigate and remove all inquiries that can not be verified as authorized by me. 
The following companies are listed as having accessed my credit file without my authorization : - Capital XXXX XX/XX/XXXX - XXXX  XXXX  ( TransUnion ) XX/XX/XXXX - XXXX  ( unknown ) XX/XX/XXXX - XXXX  XXXX  XX/XX/XXXX - ( and any additional inquiries shown in my credit report not authorized by me ) Please conduct an investigation into these inquiries and remove any that can not be verified as initiated with my express written consent. 
In accordance with FCRA Sections 609 and 611, please provide : 1. The name and address of the business that initiated each inquiry, 2. Proof of authorization bearing my signature, and 3. A new copy of my credit report showing the results of your investigation. 
If you are unable to verify any of the inquiries listed, I request that they be deleted immediately from my credit file. 
Thank you for your prompt attention to this matter. I expect your written response within 30 days, as required by the FCRA. 
Sincerely, ( Signature ) 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 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX ; ONEMAIN XX/XX/XXXX ; CAPITAL XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I am filing this complaint because these hard inquiries continue to appear on my credit report even after I previously disputed them and requested a reinvestigation. I should not have to repeatedly dispute the same inaccurate information. Under 15 U.S.C. 1681i ( a ), the credit bureau is required to conduct a reasonable reinvestigation and ensure that all reported information is accurate and complete. That did not happen here. The continued presence of these disputed inquiries shows a failure to meet the legal obligation to maintain maximum possible accuracy under the Fair Credit Reporting Act ( FCRA ). This has caused ongoing harm to my creditworthiness and financial stability. I am requesting CFPB to take immediate action to ensure that these unauthorized inquiries are removed and to hold the credit bureau accountable for failing to correct this matter after multiple disputes.

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 2025-11-10 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: UT

Complaint narrative:
I am submitting a second-round dispute regarding multiple inaccuracies on my credit report. After reviewing the results of my previous dispute, I have found that several items remain unresolved, inaccurately reported, or unverifiable. These errors misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I formally request a comprehensive reinvestigation of all disputed items. Each item should be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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