vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Complainant Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX I. INTRODUCTION I am submitting this formal legal complaint regarding the unexpected closure of my Bank of America credit card account without prior notice, without a required adverse action notice, and without a clear explanation for the decision. The account was closed without warning, leaving me unaware of the exact date the closure occurred. 
XXXX. FACTUAL BACKGROUND I discovered that my credit card account had been closed without any prior notification. 
There was no mailed notice, no email, and no secure message advising me of an adverse action. 
I personally visited a Bank of America branch and spoke with a XXXX ; however, I was not provided a specific or meaningful reason for the closure. 
I currently have an outstanding balance on this account, yet I have received no instructions regarding repayment, changes in interest terms, possible fees, or how to avoid negative effects on my credit report. 
III. POTENTIAL LEGAL VIOLATIONS The banks failure to provide notice or an adverse action explanation may constitute violations of the following federal laws : 1. Equal Credit Opportunity Act ( ECOA ) & Regulation B Failure to provide an adverse action notice when closing a credit account is a direct violation of Regulation B.

2. Fair Credit Reporting Act ( FCRA ) Any negative impact to my credit report due to this sudden and unexplained closure may violate FCRA accuracy and fairness provisions. 
3. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Closing an active account with an outstanding balance without notice, guidance, or explanation may constitute an unfair or deceptive practice.

IV. REQUESTED RESOLUTION I respectfully request the following actions : 1. A written explanation for the account closure.

2. A justification for failing to issue the required adverse action notice.

3. Confirmation of the exact date of account closure.

4. Detailed clarification of the balance, interest rate, and fee structure.

5. Clear repayment instructions without penalties or negative reporting.

6. Immediate correction of any negative or inaccurate information on my credit report. 
7. Reopening of the account or the establishment of a fair and reasonable repayment plan

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 2025-12-16 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:
s a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am writing to formally dispute fraudulent information listed on my credit report, pursuant to my rights under 15 U.S.C. 1681c-2, and to request the immediate block and removal of this information. For evidence, I have attached a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX ). 
As stipulated by 15 U.S.C. 1681c-2, upon the filing of an identity theft report, consumer reporting agencies are required to block any information identified by the consumer as stemming from the theft within four ( XXXX ) business days. 
The following items on my report are a direct result of identity theft and must be blocked : XXXXXXXX XXXX XXXXXXXX - XXXX In compliance with 15 U.S.C. 1681c-2, I respectfully request that these accounts be immediately frozen on my credit report. This block must remain in effect for a period of no less than one year, subject to extension, and during this time, no information related to these fraudulent accounts may be reported. 
I have previously contacted the bureau on multiple occasions regarding these accounts, yet the matter remains unresolved. The continued presence of these inaccurate items is causing significant personal and financial hardship by obstructing my ability to secure financing for a home and other essential financial tools. Furthermore, these specific accounts have already been removed by other major credit bureaus after failing verification, which underscores the inaccuracy of their reporting. 
In accordance with my rights, I also requested verification documents and contract copies from the furnishing companies for these accounts. After the legally permissible period has elapsed ( over XXXX days ), I have received no response. Given the lack of verification and their fraudulent nature, I respectfully urge you to facilitate the immediate and permanent removal of these accounts from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required unde

r 15 USC 1692g ( Section 809 ( b ) ). Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ). Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

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 2025-12-16 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:
The current listing isnt quite right and leaves out important details. Im asking for a review and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Category : Installment Loan Company : Lendmark Financial Services Problem : Misleading refinancing, predatory interest, balance not decreasing Complaint Text : I am filing this complaint because I believe Lendmark Financial Services has engaged in predatory and misleading lending practices on my account.

I had been paying on my loan for years, but in XXXX a Lendmark employee encouraged me to reset or refinance the loan, due to one delayed payment, stating it would help me manage the payments. I was never clearly informed that the refinance would restart my loan entirely, extend the payoff period, increase the interest paid, or place me back into long-term debt. 

Since refinancing, I have continued paying {$140.00} every month. However, my principal balance barely decreases, and in some months Lendmark applies small negative adjustments that do not meaningfully affect the principal. The current balance remains extremely high despite my years of payments. 

I believe the refinancing process was misleading and not transparently explained. I did not understand the full impact of the refinance until after it was completed. Because of this, I am now trapped in a loan cycle that I can not afford to continue. Ive been paying Lendmark since XXXX we are now about to be in XXXX. The amount that was borrowed was only XXXX. I have paid Lendmark Financial over XXXX since XXXX. 

This situation is causing severe financial hardship. I am a single parent with significant childcare and living expenses, and the loan structure keeps me in a never-ending repayment cycle. 

As a single parent I was put in a bad position financially without things being properly explained to me before moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> I needed help to access {$500.00} that was sent to my account. 
I was ignored for over 3 hours straight after the initial contact was made with the customer agent ( which does not include the wait time just to get ahold of an actual agent ) I was ignored for hours, so then I waited hours until their phone lines opened, then I was hung up on multiple times by their agents, and then I still did not get the information and technical support that was needed to use my Cash App and the {$500.00} that was sent to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CIG FINANCIAL LLC
State: DE

Complaint narrative:
If, after their investigation, the furnisher of the information can not verify that the account is accurate, complete, and actually belongs to you, the FCRA requires the credit bureau to correct or delete the entry. The fact that the credit bureau failed to provide you with proof that the account belongs to you and how they verified it suggests that the information may be unverifiable.

The credit bureau has failed to comply with its obligations under 15 U.S.C. 1681i by not providing proof of verification that the account is mine. I Demand that the account be immediately deleted because the information is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Affirm Holdings, Inc
State: DE

Complaint narrative:
If, after their investigation, the furnisher of the information can not verify that the account is accurate, complete, and actually belongs to you, the FCRA requires the credit bureau to correct or delete the entry. The fact that the credit bureau failed to provide you with proof that the account belongs to you and how they verified it suggests that the information may be unverifiable.

The credit bureau has failed to comply with its obligations under 15 U.S.C. 1681i by not providing proof of verification that the account is mine. I Demand that the account be immediately deleted because the information is unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.

Complaint narrative:
I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am very frustrated to find that inaccurate late payments continue to show on my credit report today. Even after refreshing my browser, these late payments were still there, which makes this situation even more stressful. I am requesting an immediate and thorough review of the documents I provided so this matter can be fully corrected without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
I am not the party responsible for these accounts and request removal within 15 days pursuant to USC 1681g.

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 2025-12-16 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:
I am not tied to these accounts and didnt okay their creation. Please investigate and delete them. Documents are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
These accounts were not opened by me, nor did I authorize them. Please look into this and clear them from my file. Proof is included.

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 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: WI

Complaint narrative:
I submitted a previous complaint on XX/XX/XXXX. In the response to this complaint, Americollect provided debt verification for debt that my doctor submitted to and should have been paid by insurance. They have continued to call me regularly regarding this debt even though I have told them repeatedly that the debt is not valid. 

Since my complaint, they have again called on the following dates : XXXX - twice XX/XX/XXXX - twice XX/XX/XXXX - twice XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX - twice XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX - twice XX/XX/XXXX - twice XX/XX/XXXX - twice XX/XX/XXXX - twice I continue to block the numbers they are calling from, so they keep calling from new numbers, many of which are listed as residential and do not even come up as Americollect on caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Initial complaint XXXX I still do not have access to my account and Resolution XXXXXXXX XXXX XXXXXXXX XXXX has done nothing to remedy the matter. In response to my multiple calls and voice messages, XXXX phoned once and left a voice message on XX/XX/year> at XXXX. Repeated calls to him since that time have gone unanswered. I was only able to make contact with him when he initially called regarding the matter. 

On XX/XX/year>, I received an email advising that I register and fund the account despite me having already done both. I followed the directions and reregistered but not fund it again as I am already out of {$100.00} that I can not access. The system would not allow me to establish a password and I received an email on XX/XX/year> stating that I would receive a password in XXXX business days. To date, that has not happened and Im still unable to reach XXXX and he has failed to respond to my requests for contact regarding 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 monetary relief
Consumer complaint received 2025-12-16 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:
Equifax , INCXXXX Data Breach XXXX I write as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has experienced identity theft, my personal information was stolen during the Equifax, and XXXX  data breaches and my SSN was used as a personal gain for a scammer. The accounts were reported as a result of identity theft, and the placement of this materially false information violates my rights. Your agency continues to furnish and report fraud. I will be seeking legal advice, if this issue is not handled legally. Again, I have never given consent for this information and it is fraudulent. 

XXXX. XXXX XXXXXXXX : Acct # XXXXXXXX XXXX XXXX XXXX /Bal. {$16000.00} : XXXX Date : XX/XX/XXXX XXXX. XXXX : Acct # XXXX XXXX XXXX XXXX /Bal. {$33000.00} : Fraud Date : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ), Equifax Information Services Inc is prohibited from reinserting deleted information into my credit file unless the furnisher of the information certifies that the information is complete and accurate. Equifax Information Services Inc has failed to provide me with any evidence that these disputed accounts have been re-verified or that any new documentation has been obtained to substantiate their accuracy. This pattern of deletion and reinsertion appears to be a violation of my rights under the FCRA and causes ongoing harm to my creditworthiness and financial reputation. I am requesting that the CFPB investigate Equifax Information Services Inc 's practices and require them to permanently remove these unverified accounts from my credit report. I also request that Equifax Information Services Inc be prohibited from reinserting any disputed information that was previously deleted for lack of verification unless they can provide documented proof of accuracy. This repeated violation of federal law has caused me significant stress and has damaged my ability to obtain credit on favorable terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I am disputing the accuracy of the following accounts and inquiries on my Experian credit report. These accounts appear to be inaccurately reported, and I request that you investigate and correct these discrepancies. 

Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I categorically state that I have no ties to the accounts listed and did not authorize their establishment. I request a comprehensive review and expunction from my records. Documentation is attached for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

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