vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In 2025, Bank of America restricted and then closed my accounts without prior notice, leaving me unable to access my money for weeks. 
On XX/XX/year> at XXXX XXXX Bank of America restricted my checking and savings accounts without informing me. 
I only learned this after direct deposits and automatic payments were returned. 
I was told I would receive my funds only by mailed check after a closure date, but that date was pushed back several times. 
My accounts were not fully closed until XX/XX/year>, leaving me with no access to my own funds for nearly two months. 
During this period, I had sufficient funds, but could not pay bills because Bank of America blocked access. Any missed or returned payments during this time were caused by XXXX restrictions, not by negligence or inability to pay. 
ICON Collective Context ( Required for CFPB Understanding ) The restrictions followed legitimate chargebacks I filed with Bank of America related to ICON Collective, a music school that abruptly closed on XX/XX/year>. 
My contract with ICON promised a certificate of completion, which I never received, even though other students did. 
I was owed a {$430.00} prorated refund, and the school did not respond to my attempts to contact them for nearly three weeks. 
When ICONs representative eventually replied, the message went into my junk mail and did not address the certificate or refund. 
Because I never received contracted services, I filed valid chargebacks totaling {$750.00} in addition to the refund owed. 
These were consumer protection disputes, not fraud. 
Despite this, Bank of America appears to have misclassified the chargebacks as fraudulent, leading to my account restrictions and closure. 

I am currently unable to open a checking account with Bank of America due to a fraud/risk designation that is incorrect. 
I am, however, still able to use my Bank of America credit cards, which demonstrates that I am not a fraud risk and am in good standing as a customer. 
Bank of America never responded to my previous CFPB complaint ( # XXXX ). 
The CFPB agent assigned to me stopped responding, leaving my case unresolved. 
I need Bank of America to correct the misclassification that is preventing me from restoring normal banking access. 


Phone : 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 monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
XXXX on account Ive never heard of. 
No written proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint against Bank of America regarding the handling of a credit card dispute for an unauthorized charge made by XXXX. 
I filed the dispute immediately after discovering the charge on XX/XX/XXXX. 

Bank of America did not update the dispute status on my online dashboard, and did not indicate that any additional information was required. Instead, they mailed a physical letter dated XX/XX/XXXX, which I did not receive until XX/XX/XXXX. The letter demanded that I respond within 5 days, which was not possible due to the mailing delay. No email notifications or online alerts were provided, and the letter is not reflected anywhere on my dispute dashboard. This has already placed me at a disadvantage in providing timely information through no fault of my own. 

The letter also asked for information that Bank of America already had from my initial dispute submission, including the disputed amount, how the transaction occurred, and basic purchase details. This indicates that the dispute was not properly reviewed prior to sending the letter. This is not the first time I have experienced this pattern with Bank XXXX XXXX dispute handling. 

Regarding the disputed charge : I purchased a one-year XXXX subscription on XX/XX/XXXX under a financial-aid discount, and the charge was {$98.00}. I did not authorize XXXX to store my card for future billing, and I received no notice of auto-renewal, no email warning, and no indication that they would charge me again at full price. I stopped using the service months ago. Despite this, XXXX charged my card for {$190.00} on XX/XX/XXXX without my knowledge or consent. This is double the prior amount and was done with no renewal notice of any kind. I contacted XXXX customer support immediately and received no response. 

I believe this charge is improper and that Bank of America has failed to follow reasonable dispute procedures. Their lack of timely communication, the missing online status updates, the delayed letter with an impossible XXXX deadline, and the request for information already provided all indicate that my dispute is not being handled appropriately. I am requesting that Bank of America properly investigate this charge, remove the disputed amount, and follow Regulation Z requirements for dispute processing and customer communication.

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 2025-12-10 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: AR

Complaint narrative:
To the CFPB, I am filing this complaint because the credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) in their handling of my dispute. 

On [ insert your dispute date ], I submitted written disputes to the credit bureaus regarding inaccurate information on my credit report. Under FCRA 623 ( a ) ( 3 ), once a consumer notifies a bureau of a dispute, the furnisher must mark the account as in dispute during the reinvestigation process.

It has been over 30 days, and the credit bureaus failed to update the required dispute notation on the accounts I challenged. This failure to report the information as disputed creates a misleading credit profile and violates both : FCRA 623 ( a ) ( 3 ) Duty to report disputes FCRA 607 ( b ) Duty to maintain maximum possible accuracy Despite my timely and complete dispute, the bureaus verified the items but still did not update the dispute comment, which is a clear violation of federal law.

Because the bureaus did not comply with the FCRA during the reinvestigation process, I am requesting the following : Requested Resolution I am requesting that the CFPB require the credit bureaus and data furnishers to : Delete the accounts that were not properly updated as disputed, as they failed to comply with federal law during the investigation.

Provide documentation showing how the furnisher verified the accounts.

Correct all inaccurate or incomplete reporting associated with my dispute. 

Accounts Not Properly Reported as Disputed Creditors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX What They Did Wrong : Failed to apply required dispute notation within XXXX  days. 

Summary I followed the FCRA dispute process correctly. The bureaus did not. Their failure to apply the dispute notation makes the information misleading and violates my rights as a consumer. Because of this, I am requesting deletion of these accounts. 

Thank you for your assistance in enforcing the FCRA and protecting consumers. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
To the CFPB, I am filing this complaint because the credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) in their handling of my dispute. 

On [ insert your dispute date ], I submitted written disputes to the credit bureaus regarding inaccurate information on my credit report. Under FCRA 623 ( a ) ( 3 ), once a consumer notifies a bureau of a dispute, the furnisher must mark the account as in dispute during the reinvestigation process.

It has been over 30 days, and the credit bureaus failed to update the required dispute notation on the accounts I challenged. This failure to report the information as disputed creates a misleading credit profile and violates both : FCRA 623 ( a ) ( 3 ) Duty to report disputes FCRA 607 ( b ) Duty to maintain maximum possible accuracy Despite my timely and complete dispute, the bureaus verified the items but still did not update the dispute comment, which is a clear violation of federal law.

Because the bureaus did not comply with the FCRA during the reinvestigation process, I am requesting the following : Requested Resolution I am requesting that the CFPB require the credit bureaus and data furnishers to : Delete the accounts that were not properly updated as disputed, as they failed to comply with federal law during the investigation.

Provide documentation showing how the furnisher verified the accounts.

Correct all inaccurate or incomplete reporting associated with my dispute. 

Accounts Not Properly Reported as Disputed Creditors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX What They Did Wrong : Failed to apply required dispute notation within XXXX  days. 

Summary I followed the FCRA dispute process correctly. The bureaus did not. Their failure to apply the dispute notation makes the information misleading and violates my rights as a consumer. Because of this, I am requesting deletion of these accounts. 

Thank you for your assistance in enforcing the FCRA and protecting consumers. 

Sincerely,

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 2025-12-10 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: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported charge-off accounts that are appearing on my consumer credit reports. The information being furnished is not accurate, not verifiable, and not compliant with federal law. I am requesting the CFPBs assistance in having these accounts fully investigated and corrected. Accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} 1. Violation of the Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to properly investigate and correct billing errors and are prohibited from reporting inaccurate charge-offs. The creditor has failed to validate the accuracy of the alleged charge-off and is continuing to furnish information that does not reflect a verified or corrected billing record. 2. Violation of the Gramm-Leach-Bliley Act 15 U.S.C. 6802 This statute prohibits creditors from sharing false, incorrect, or unverifiable financial information. Reporting a charge-off without providing any documentation, verification, or lawful authorization constitutes the improper sharing of unverified personal financial data. 3. Violation of the Fair Credit Reporting Act 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) Under the FCRA, consumer reporting agencies and furnishers may only report information that is accurate, complete, and verifiable. The charge-off being reported has not been validated with original documentation, account records, or proof of accuracy. 4. Violation of Furnisher Responsibilities 15 U.S.C. 1681s-2 Once I disputed this information, the furnisher had a legal obligation to conduct a reasonable investigation, correct inaccuracies, and cease reporting unverifiable data. They have failed to do so and continue to furnish information that can not be substantiated. 5. Legal Precedent XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) The court held that a credit reporting agency must perform an independent investigation of disputed information and can not rely solely on the furnishers claims. The repeated reporting of this unverified charge-off violates this legal standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: AR

Complaint narrative:
In early XXXX, ownership of the duplex I was renting transferred to XXXX XXXX. I moved out on XX/XX/XXXX, before the new management was fully involved. I paid my rent as required under my original lease. I did not pay a security deposit to XXXX XXXX, and I did not enter into a new lease agreement with them. 
Weeks later, in XX/XX/XXXX, I received a bill for approximately {$1200.00} from XXXX XXXX for alleged property damages and cleaning charges. The photos they later provided as evidence included images of the opposite side of the duplex, not the unit I occupied. 
Many of the conditions they attempted to charge for ( wall marks, ceiling discoloration, and cosmetic issues ) existed when I moved in, which I documented in writing at the time. There was also prior storm-related ceiling damage that predated my tenancy. 
I disputed these charges immediately in writing in XX/XX/XXXX and explained that : I was not their tenant under a signed lease. 
I did not pay them a security deposit. 
The damages shown were pre-existing or from the wrong unit entirely. 
After this dispute, I received no further collection activity for years. However, in XXXX, this same alleged debt suddenly appeared on my credit report for the first time, over XXXX years later, without any valid supporting documentation tied to my actual unit. 
This debt is inaccurate, improperly documented, and appears to be reported in error or based on incorrect property photos. I am requesting full validation, correction, and removal of this tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
We submitted for modification in XXXX and resubmitted in XXXX and they keep denying with no explination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: IN

Complaint narrative:
This account is not mine and has been wrongfully added to my credit report with misleading and incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-10 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Triton Recovery Group
State: MD

Complaint narrative:
XX/XX/year> A merchant cash advance company ( XXXX XXXX XXXX Triton Recovery ) and their attorney ( XXXX XXXX ) attempted to seize business funds from my XXXX account using an improper UCC Lien Notice. 

There is no judgment, no court order, no levy, and no lawful authority permitting them to seize or freeze funds. A UCC-1 filing is not a legal seizure mechanism. 

Despite this, XXXX froze my business account for XXXX XXXX XXXX XXXX XXXX, causing immediate disruption to operations. 

This UCC misuse constitutes : False representation of legal rights Abusive collection practices Deprivation of property without due process Violation of UCC Article 9s commercial reasonableness requirement Fraudulent enforcement attempt Additionally, the lender failed to issue a valid Notice of Default under the Settlement Agreement. Their notice was an informal email demanding payment today, not the required contractual written notice with a 3-day cure period. 

I made substantial payments toward the XXXX agreement prior to this incident. Their escalation to a false lien seizure was predatory, coercive, and retaliatory. 

I request immediate investigation into : Triton Recovery XXXX XXXX XXXX  Attorney XXXX XXXX XXXX XXXX XXXX XXXX improper freezing of funds based on a non-judicial notice I also request that XXXX be directed to release my account immediately pending investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: MS

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-12-10 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: TX

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-12-10 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: TX

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief