vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : ATM of Bank of America didnt withdraw American cash when I used another bank debit card two months ago. 

Hi, Dear XXXX, I am a customer of both Bank of America and XXXX XXXX XXXX. 

At about XXXX XXXX On XX/XX/year> ( XXXX time ), I wanted to use a debit card ( XXXX ) from XXXX XXXX XXXX  to withdraw {$300.00} from a Bank of America ATM machine ( No : XXXX XXXX ) in XXXX XXXX Texas. However, the ATM machine didnt withdraw any cash and any receipt for me, but the XXXX XXXX XXXX  had detained our cash ( RMB XXXX yuan, equal to {$300.00}. plus handle fee XXXX yuan ). I have called and complained to the XXXX XXXX  in XXXX and the Bank of America many times. XXXX XXXX XXXX  has filed a case ( Confirmation No : XXXX ) and transferred it to Bank of America. Now more than two months have passed, and Bank of America still has no answer for how to handle it, and XXXX XXXX XXXX  has been still deducting cash in my account. I am very appreciative and hope your department can solve this problem for me. Thank you very much for your help.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I was paying direct deposit {$20.00} a week ok an account that was overdrawn. One day woke up my whole account was gone didnt give me a warning or anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
IQ DATA INTERNATIONAL INC is trying to collect for the amount of {$1700.00} which I am NOT liable for. I do NOT have any contract with IQ DATA INTERNATIONAL INC XXXX XXXX XXXX XXXX, WA XXXX, Ive never conducted any business or ever been associated with them and they inaccurately reported this to my credit. They have NOT sent any proof that this account belongs to me or that it has my actual signature on any sort of contract. When contacted over the phone they informed that this debt belong to ALSO 2 other people and that my signature was a ONLINE signature and that they cant verify if its truly mine!. Meaning anyone could have used my identity and sign my name fraudulently online. I request that this be removed from all 3 of the credit bureaus IMMEDIATELY as this is an inaccurate and false report and its violating federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of XXXX XXXX. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of XXXX XXXX. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address and SSN Card.

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 2025-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
It has been more than 30 days since I first submitted the attached complaint against XXXX XXXX XXXX and they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally lodge a complaint against Barclays Bank regarding multiple violations of federal consumer protection laws. In Over 15Years, with this institution, I have never missed a payment! I Have Tendered Payment in FEDERAL RESERVE NOTES Blindly, Without Proper understanding of the agreement. I entered into what I believed to be a lawful consumer credit transaction with Barclays Bank, under the impression that they were providing credit derived from their own assets. However, upon further investigation, I have identified significant discrepancies and potential violations, therefore Prior to me Seeking Assistance From The SEC, and IRS. 

I respectfully request the CFPB to investigate and remedy These Violations!

* 12 U.S.C. - 5531 gives the CFPB authority to prevent " unfair, deceptive, or abusive actsBy utilizing my signature and SSN to create credit without disclosure and then demanding repayment with interest, Barclays Bank has been unjustly enriched. This conduct is deceptive and harms me as a consumer.

* 15 U.S.C. - 1601 Barclays Bank failed to provide clear and accurate disclosure regarding the source of credit extended to me. There was no proper disclosure of how my signature and agreement may have been monetized to create credit. This failure to disclose information violates TILA 's requirement for transparency in credit transactions.

* 15 U.S.C. - 1692 Barclays Bank, acting as a debt collector in certain communications, has made misleading and deceptive representations by demanding repayment without proving lawful ownership or that actual funds were advanced from their assets.

* 15 U.S.C. - 1681 The bank has reported negative information to credit reporting agencies, who themselves have ASSUMED THEIR ROLE, without verifying the accuracy of the debt or addressing my dispute. This violates the requirement to ensure fair and accurate credit reporting.

* 15 U.S.C. - 1691 Barclays Bank has restricted access to my credit card account without providing a proper and timely explanation. This action violates my rights under ECOA, which requires creditors to provide clear reasons for adverse actions.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Dear Equifax, This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accur acy of my credit report. Provide written results of your reinvestigation within the 30-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ). Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. '' Accounts highlighted in green represent inaccurate payment histor
y and must be corrected immediately. Accounts marked in yellow as charge-offs violate FDCPA Section 807 due to false 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
I have reached out to cedar business services llc several times and spoke to the following individuals : XXXX, XXXX, XXXX and mark in regards to this account that belongs to XXXX  for XXXX. I have submitted evidence in regards to this debt being cancel in XX/XX/year> by XXXX  because the services was not provided. The reps and managers give me the run around and say that the company XXXX  is the only ones who can authorize removal and any negotiations. And because I did my due diligence I requested several times to have a statement or some sort of verification sent to my correct address. Im still waiting. However this company is very quick to send an email and lie that if I pay XXXX they will speak to XXXX  and ask them to close my debt Due to the global pandemic COVID, I asked XXXX to change my class, in which they said my courses are cancelled. There are no accounts found in XXXX  database when I spoke to representative. Which I also submitted this conversation to cedar business as evidence.I am filing this complaint because I have exhausted all avenues to get this matter fixed with all parties involved. Ultimately the creditors do not have any information as to why I am getting charged for a debt from cedar business services. Lastly, I ask that this debt is investigated and remove post heinous error committed by this company, that refuse give me a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: FL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NCB Management Services Inc.
State: NV

Complaint narrative:
I am writing this letter to formally dispute the alleged debt associated with the account mentioned above, in accordance with the provisions of 15 USC 1692g. As a consumer, I request that you provide me with verification of this purported debt. I am seeking concrete evidence that clearly establishes this alleged debt as mine. Please ensure that the verification you provide includes a formal declaration, sworn to be true and accurate, with firsthand knowledge of the matter, and duly notarized, as required for proper verification.

I request that you conduct a thorough investigation of this account and provide me with the following information to validate the debt : A copy of the original signed contract or agreement between myself and the original creditor.

Statute of limitations and last payment missed on the debt.

An itemized statement of the account, including the principal amount, any interest, fees or charges applied. 
Proof that the collection agency is legally authorized to collect this debt on behalf of the original creditor. 
Proof that I have a contract with XXXX XXXX XXXX bearing my signature. 
Provide insurance claims of the debt. 

As outlined by the Fair Debt Collection Practices Act, I expect you to cease all collection activities related to this dispute debt until its validity is confirmed. This includes any reporting to XXXX, XXXX, and XXXX. 
I want to emphasize that I have not granted you consent to communicate with me through any means. Furthermore, I did not authorize the release of my personal and private information to your agency, which, in effect, constitutes aggravated identity theft. I also want to reiterate that I did not authorize the reporting of any information in my name to consumer reporting agencies. 
Your non compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act has been noted, as you shared my nonpublic personal information with non affiliated third parties without providing me with a compliant notice under section 6803 and an opportunity to opt out, as required by 15 USC 6802.

In line with my rights as a consumer, I hereby request that you provide me with the Aggravated Value of Purchase document, which explicitly details the price you paid for this particular debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the civil liability claim referenced under section XXXX XXXX XXXX that has recently come to my attention. I want to clarify that I do not recognize the validity of this claim, nor am I familiar with your company. 

Upon reviewing the claim, I believe there has been a misunderstanding or error regarding the alleged debt. Specifically, I have not received any prior notification or documentation that would substantiate the existence of this claim against me. Therefore, I have several concerns that I would like to address : Lack of Documentation : I request a detailed account of the basis for this claim, including any associated documentation or contracts. 

Verification of Debt : Under the Fair Debt Collection Practices Act, I am entitled to request verification of the alleged debt. As such, please provide adequate proof that this liability is mine. 

Non-Compliance Under XXXX XXXX XXXX XXXX : I believe this claim to be in violation of the established regulations unless proper documentation is provided, indicating that no reasonable steps were taken to adhere to compliance requirements. 

I have enclosed copies of relevant correspondence that demonstrate my position on this matter. I kindly ask for a thorough review and immediate response. Please respond to me in writing by [ specific date, typically XXXX weeks from the date of the letter ], so we can address this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After thoroughly reviewing my TransUnion credit report, I was alarmed to discover multiple errors in my personal information that should never have been there. These are not minor mistakes ; they are actively misrepresenting my identity and creating unnecessary obstacles. I refuse to allow misinformation to remain on my credit report, and I demand an immediate and thorough investigation. The incorrect information includes an alias listed as XXXX XXXX, as well as previous addresses incorrectly reported as XXXX XXXXXXXX XXXX  XXXX, PA XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. Personal identifying information must be correct, and any outdated, inaccurate, or unverifiable data must be removed immediately. If TransUnion can not provide legitimate documentation proving that this information is accurate and directly linked to me, I expect it to be deleted at once. This is not a mere requestit is a demand for compliance with federal law, and I expect a prompt resolution.

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 2025-03-04 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
My information was disclosed to someone who has no authority to be access to federal documents. I also work in a place and my loan should be forgiven

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
Creditor have the wrong amount on my credit report when it was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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:
Name : XXXX XXXXXXXX XXXX Birthday- XX/XX/year> SSN- XXXX Address- XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXXontents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( 15 U.S.C. XXXXi ), I have the right to know the methods and sources used to verify the disputed information on my credit report. Please provide the following within XXXX days of receipt of this letter : XXXX XXXX XXXX XXXXXXXX The source ( XXXX ) of information used to verify the disputed items. 
Documentation or evidence supporting the verification. 
A detailed explanation of your verification process. 
If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA XXXX for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. 
I have attached a copy of the items claimed to be verified, along with my previous FTC report.

Company response to consumer: Closed with non-monetary relief