vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Carmichael & Frost LLC
State: GA

Complaint narrative:
Nature of the Complaint : Harassment, Misrepresentation, and Third-Party Disclosure of Debt Information On XX/XX/year>, I received a debt collection letter from Carmichael & Frost LLC attempting to collect an alleged business debt on behalf of XXXX XXXX XXXX in the amount of {$27000.00} ( Account No : XXXX ). They claim to have acquired this debt from XXXX XXXX XXXX and reference a UCC lien on my companys assets. 

However, on XX/XX/year> at approximately XXXXXXXX XXXX, a representative of Carmichael & Frost unlawfully contacted my mother, a third party not connected to this alleged debt in any legal capacity. During that call, the representative threatened her with being implicated in a fraud investigation and disclosed information about the alleged debt. This act is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and constitutes harassment, intimidation, and third-party disclosure without consent. 

Violations Committed : Third-Party Disclosure FDCPA 1692c ( b ) : Disclosure of debt to an uninvolved third party ( my mother ) without my consent or legal justification. 

False Threats of Criminal Action FDCPA 1692e ( 5 ), ( 7 ), ( 10 ) : Threatening my mother with fraud accusations related to a debt she has no knowledge or legal connection to. 

Harassment and Abuse FDCPA 1692d : Using coercive, threatening language to intimidate a family member in an attempt to pressure repayment. 

Failure to Validate Debt FDCPA 1692g : No evidence or proper validation of the debt was provided despite formal dispute and request for verification. 

Violation of Georgia State Law Georgia Fair Business Practices Act ( XXXX. XXXX ) : Engaging in deceptive and unfair business practices in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
I am writing to formally express my frustration and concern regarding my ongoing issues with MOHELA. I have attempted multiple times to contact customer service in order to set up auto pay for my loan. Despite being placed on hold for over an hour, the call was eventually disconnected, and no representative ever answered. 

When I attempted to log into my account on MOHELAs website, I was informed that my account could not be found. This has left me with no means of managing or paying my loan, and as a result, interest continues to accrue unnecessarily. 

This lack of access to support and inability to make payments is unacceptable and is negatively impacting my financial situation. I urgently request that this issue be investigated and resolved immediately. I need assistance setting up my online access and auto pay, and I expect a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
The account is a crypto account with XXXX I have four coins : XXXX ( XXXX ), XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  ), and XXXX XXXX XXXX XXXX I have had the account since XXXX and the value of each coin changes every day. All total now around {$3000.00}. 
Coinbase has stolen my money by locking my account and will not provide any method to recover it. I want to sell all of my crypto coins and close my account but they refuse to allow me to do so. There is nothing that works to access my account to make transactions. I can review all of my holdings but cant sell any of them since none of the icons to click on to sell works. I have tried many times since XX/XX/XXXX without success. Coinbase refuses to provide a working phone number, email address, chat, or icon on their website to make the necessary transactions. By locking my account this is theft of my money. 
I cant communicate with them in any manner since they refuse to provide any form of communication that works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: IN

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Delete hard Inquiries : TRANS UNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
* * * In accordance wth fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

* The accounts below have violated my rights.

15 USC 1681 section 602 A. State.

I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account whithout my written instructions.

15 USC 1681 c [ a ] [ 5 ] Section State : No consumer reporting agency may make any consumer report containing any of the fallowing items of infomations. Any other adverse item of information, other than records of convictions of crimes which ante dates the report by more than seven years.

15 USC 1681 s -2 [ A ] [ a ] A Person shall not furnish any informations relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inacurate.

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 2025-06-04 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:
My credit report was negatively impacted due to unauthorized accounts from a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX. Date : XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX  XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXX 
XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
My credit report was negatively impacted due to unauthorized accounts from a data breach.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX. Date : XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX  XX/XX/XXXX Date : XXXX XX/XX/XXXX Date : XXXX XXXX XXXX XX/XX/XXXX Date : XXXX XXXX XXXX 
XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FC HoldCo LLC
State: MN

Complaint narrative:
Consumer Complaint Flagship Credit Acceptance ( Re : Closed, Charged-Off Account ) Resolution Requested : Immediate and Permanent Removal of Tradeline Summary of Issue : I am filing this formal complaint against Flagship Credit Acceptance for ongoing, unlawful, and harmful credit reporting practices related to a closed and charged-off account that has remained on my credit report since XX/XX/XXXX. 

Despite this account being closed, Flagship continues to make monthly changes to the remarks and payment historyresulting in repeated score drops, denied refinancing opportunities, and emotional and financial distress. 



Details : The account is marked as closed and charged off as of early XXXX. 
I have screenshots and credit monitoring reports showing XXXX continues to add and remove dispute codes, remark statuses, and even change historical payment datamonths after the fact. For example, XXXX and XX/XX/XXXX statuses were just updated again in XX/XX/XXXX. 
These actions are not only misleading but appear to be re-aging a delinquent account, a direct violation of the Fair Credit Reporting Act ( FCRA ). 
Flagship has been contacted repeatedly by the Minnesota Attorney Generals Office, which has

sent two letters with no reply. I have provided copies of their correspondence.

Flagships responses through previous CFPB complaints do not address or fix the core issuedespite my documentation of 8 payments made while the car was not even in my possession. 
My credit score has dropped up to XXXX points in a single month due to these false and fluctuating entriesthis is a closed tradeline that should not still be impacting my score or updating monthly. 
My refinancing attempts have been denied specifically because of this account and its inconsistent reporting. 
I am now demanding complete removal of this tradeline due to emotional, financial, and legal harm caused by this ongoing misreporting and mishandling. 



Relief Requested : Full and permanent removal of the Flagship Credit Acceptance tradeline from all credit bureaus ( XXXX XXXX XXXX XXXX 
Written verification that the account will no longer be updated or re-aged going forward. 
A formal investigation into this lenders ongoing reporting practices and compliance with FCRA.

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 2025-06-04 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: TX

Complaint narrative:
Due to identity theft resulting from a data breach, fraudulent accounts have impacted my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Both XXXX and Experian are reporting a late payment for the XXXX account ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), with a delinquency date of XX/XX/year>. Despite this derogatory notation, the current past due balance is listed as {$0.00}, and the account appears to be in otherwise satisfactory standing. 

I dispute the accuracy and completeness of this reported late payment. The presence of a late payment indicator while simultaneously reflecting no past due balance creates an inherently contradictory and misleading data entry. Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681i and 15 U.S.C. 1681e ( b ), consumer reporting agencies are obligated to ensure maximum possible accuracy and to verify the legitimacy and clarity of all derogatory information before reporting it. In this case, the lack of balance due calls into question the validity of the delinquency and whether proper verification procedures were followed.

Given the increasing concerns regarding data integrity following major data breaches across the credit reporting industry, it is highly plausible that this late payment may be a residual reporting error stemming from such systemic issues. Inaccurate or outdated information introduced into consumer files as a result of poor data management or compromised data sources should not continue to harm consumers credit profiles.

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 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In addressing this dispute with Bank of america, I strongly believe that the Consumer Financial Protection Bureau ( CFPB ) serves as the appropriate avenue to ensure fairness, accountability, and adherence to consumer rights. It is imperative that Bank of america removes the report from XXXX XXXX XXXX. It is a direct impact on my financial well-being. 
I urge Bank of america to cooperate fully with the CFPBs investigation and provide any relevant information or clarification that may aid in resolving this matter expeditiously. Moreover, I request that Bank of america takes proactive measures to rectify the discrepancies in their reporting and reassess their internal processes to ensure such errors do not occur. 
Considering the significance of this issue, I trust Bank of america will approach this dispute with the seriousness it demands and collaborate constructively with the CFPB to deliver a resolution that upholds the principles of integrity and consumer protection. I look forward to receiving confirmation of Bank of america commitment to addressing this matter promptly and effectively.

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