vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Have spoke to them and also disputed it a number of times with experienced credit and also the company. I have demanded them to send me credit validation which they refuse and they hung up on me I had to call him back. They have been suppressing my life for a number of years when I have mailed them in the beginning of a report of fraud. Which it should have been taken care of that first time I don't know how many years they're going to play these games and purposely ruin my life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Michael J Adams PC
State: TX

Complaint narrative:
My bank account was first garnished on XXXX XXXX up until current with a total of {$440.00} collected from Michael j Adams however the the money that was applied to the debt is only for {$280.00} which makes a total of {$160.00} un-accounted for. I have made calls to both ends which is XXXXXXXX XXXX XXXX Michael j Adam with only getting a called answer from XXXX & them say Michael j Adams is over the funds being distributed. I was willing to set up a payment plan but nobody seems to know how to do that or give me answers as to where the missing money is, for Michael j Adams to be over the account but not ever answering the phone is suspicious to me with the fact they have control over someones bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this complaint because [ XXXX XXXX  Equifax XXXX XXXX XXXX  has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-14 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: WI

Complaint narrative:
Summary of Complaint : I recently opened a checking and savings account with Bank of America after temporarily lifting my credit freeze for the application process. I also applied for a credit card at the same time. The accounts were opened successfully I funded them, ordered checks, set up direct deposit, and was able to use online/mobile banking. 

Without warning or notification, Bank of America abruptly closed both my checking and savings accounts. I received no email, phone call, or mailed notice about this closure. I only discovered the issue when I was locked out of my account. Upon calling customer service, I was told the accounts were closed due to a fraud alert, but no specifics were provided. 

This action is concerning for several reasons : My credit was frozen and only lifted temporarily, and I had already signed up for TransUnion fraud monitoring before applying. 

Bank of America allowed me to proceed with account setup and card applications without any flags. 

The credit card application tied to the same process was not canceled and remains active, which reflects inconsistency in how they assessed fraud. 

I was given no opportunity to verify my identity or correct the issue before closure. 

I received no closure confirmation or guidance on how to recover funds, resulting in disruption to my direct deposit and financial planning. 

Requested Resolution : I want Bank of America to provide : A clear explanation of why the accounts were closed. 

Confirmation of how and when they claim I was notified ( if at all ). 

Details on why the credit card application was not similarly flagged. 

An internal review of their account closure process for compliance with fair notice and due process. 

I believe Bank of Americas handling of this situation may violate customer notification and fair banking standards. I would appreciate the CFPBs assistance in obtaining a resolution. 

Company Name : Bank of America

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 2025-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I originated a mortgage for XXXX XXXX, and later took out a second loan for XXXX XXXXXXXX with XXXX XXXXXXXX XXXX  They closed and filed bankruptcy, and the loan was then sold to Bank of America for XXXX XXXXXXXX. It was obviously for both loans combine, however They sold the loan to XXXX in XXXX and no one ever recorded the second loan being paid for. Both companies provide no answers to what happened to the second loan amount however there is still an apparent lien that is preventing the sale of the home. There is no information who the lien is with or anyone to contact, and bank of america and XXXX XXXX can not or won't offer any information as to where the second loan went or how the amount increased the exact same amount in the purchase of the loan. Never the less, I can not proceed to sell a home I can no longer afford and I '' m falling behind and could potentially lose it over the lack of information or the failure to record on their part. 

I do not have records of accounts for Bank of America that sold the loan and I believe are at fault for this complain. I included account numbers for XXXX XXXX  however not sure who is at fault, although both are not being helpful in resolving matters.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Sunrise Credit Services , Inc . This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Sunrise Credit Services , Inc. is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Sunrise Credit Services , Inc..

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-10-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: KS

Complaint narrative:
I am filing a complaint under the Fair Credit Reporting Act and Fair Debt Collection Practices Act because XXXX XXXX and XXXX  are reporting multiple collection accounts that are unverified, inaccurate, or obsolete. 
The collection agencies include Caine & Weiner Co. , Inc. ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX. I have attached formal dispute letters and supporting documents requesting reinvestigation and deletion of these entries pursuant to FCRA 602 ( a ), 607 ( b ), 611 ( a ) and FDCPA 809 ( b ).

I am requesting that the CFPB ensure each bureau completes a full reinvestigation within 30 days and provides written confirmation of deletion or verification

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/year> Rent Debt Automated Colections XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXay Concern : I am writing in response to a notice I received from your agency regarding an alleged debt. I do not acknowledge this debt and am requesting that you validate it as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : XXXX. The name of the original creditor. 
XXXX. The original account number. 
XXXX. The amount of the alleged debt, including a breakdown of interest, fees, or other charges. 
XXXX. Verification that you are legally authorized to collect this debt. 
XXXX. A copy of the original contract or agreement showing I agreed to assume this debt. 
XXXX. The date of the original debt and the date of last payment, if any. 
XXXX. Documentation that the debt is still within the statute of limitations in my state. 
If you can not provide proper validation, you must cease all collection efforts, and you are prohibited from reporting this information to credit bureaus. Additionally, if you have reported this debt to any credit reporting agency, I demand that you inform them to delete it immediately. 
Please note that any attempt to collect on this debt without proper validation is a violation of the FDCPA. I request that all communication be in writing and that you do not contact me by phone. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I filed a police report after my purse was stolen. That same day, I contacted Chase and canceled all three of my cards. However, on XX/XX/year>, I accidentally made a purchase on XXXX using XXXX of the canceled cards, and to my concern, the transaction was processed successfully. This raises serious concerns about the security of my closed account. 

I contacted Chase on XX/XX/year>, to address this issue. Unfortunately, the representative was unable to provide a clear explanation or proof that the account had been properly closed. Instead, I was told that the charge may have been processed through XXXX XXXX, despite the XXXX receipt clearly showing a XXXX transaction with the last XXXX digits of my canceled card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My Personal Information was comprommised in a XXXX data breach, and my identity was stolen, and many account were opened that don't belong to me and I would like them removed immedietly. 

XXXX. XXXX XXXX XXXXXXXX # XXXX Phone number XXXX XXXX. XXXX XXXX XXXX. XXXX # XXXX phone number XXXX XXXX. XXXX XXXXXXXX XXXXXXXX XXXX XXXX # XXXX Phone Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Phone Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. phone number XXXX XXXX. XXXX XXXX XXXX XXXX # unk phone number XXXX These are unauthorized Hard Inquiries i did not give anyone permission to run my credit for. 
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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My Personal Information was comprommised in a XXXX data breach, and my identity was stolen, and many account were opened that don't belong to me and I would like them removed immedietly. 

XXXX. XXXX XXXX XXXXXXXX # XXXX Phone number XXXX XXXX. XXXX XXXX XXXX. XXXX # XXXX phone number XXXX XXXX. XXXX XXXXXXXX XXXXXXXX XXXX XXXX # XXXX Phone Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX Phone Number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. phone number XXXX XXXX. XXXX XXXX XXXX XXXX # unk phone number XXXX These are unauthorized Hard Inquiries i did not give anyone permission to run my credit for. 
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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the following account that appears on my Experian credit report, which I believe resulted from a data breach and is therefore inaccurate and unauthorized. 
Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/year> Balance : {$360.00}

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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
CONVERGENT OUTSOURCING is falsely reporting on my credit. I have never had any accounts with them. Per my research CONVERGENT OUTSOURCING is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation