vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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:
Urgent : Missing International Wire Transfer to Bank of America Account No. XXXX Dear Bank of America Customer Service, I hope this message finds you well. 

I am writing to formally lodge a complaint regarding a missing international wire transfer that has yet to be credited to my Bank of America account ( Account XXXX. XXXX ). 

The wire transfer was initiated from XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year>, and the provided tracking/reference number for the transaction is XXXX. As of today, XX/XX/year>, the funds have not been reflected in my account. 

Given that a considerable amount of time has passed, I am extremely concerned about the delay. I kindly request that Bank of America investigate the status of this incoming international wire transfer and provide an update as soon as possible. 

Please treat this matter as urgent and advise if any additional information or documentation is needed from my end to expedite the resolution. 

Thank you for your immediate attention to this matter. I look forward to hearing back from you soon. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
Breach of my information why world u increase my loan in Forberrence. FERPA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-28 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation.

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt.

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within 30-45 days ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
Robinhood brokerage account They have frozen my funds for over XXXX weeks now and i have asked for updates and provided documentation they asked for i need my funds back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted from Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Unauthorized TransUnion Credit Inquiries Due to Identity Theft Request for Immediate Removal Dear Consumer Financial Protection Bureau Representative, I am writing to formally dispute unauthorized credit inquiries that appear on my TransUnion consumer report. These inquiries were not initiated or authorized by me, and I believe they are the result of identity theft.

I respectfully request that the following inquiries be removed from my TransUnion report within five ( 5 ) business days pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX  ( Bank ) Inquiry Date : XX/XX/year>XXXX XXXX ( Bank ) Inquiry Date : XX/XX/year> In support of this request : These inquiries have no permissible purpose related to any credit application I made. 
I have no accounts tied to my name with either company. 
I personally contacted both companies, and each confirmed that I do not have any account or application on file with them. 
Since these inquiries are unauthorized and result from identity theft, I am requesting their immediate removal to prevent further harm to my consumer profile.

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 2025-04-28 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
This debt was previously settled with another debt collector. The other debt collector agreed to settle the full amount of the debt and mark the debt " paid as agreed '' for the settled amount of XXXX. The company, XXXX XXXX XXXX sent the attached settlement offer, which was paid as agreed on XX/XX/2024 and shown in the attached banking transaction statement. 
This situation was brought to the attention of the three credit reporting agencies but Ability Recovery Services refuses to remove this from my report even given the evidence that it was settled.

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 2025-04-28 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: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BMO Bank NA sent to me a letter dated XX/XX/year> which I received on XX/XX/year> stating that my credit card account was closed as of XX/XX/scrub>XXXX BMO did not provide me with notice before the account was closed. I had already scheduled a payment for my cable tv bill due on XX/XX/year>. BMO failure to provide advance notice of the account closure created a hardship for me. I also lost {$10.00} in BMO reward credits. I checked my account on the BMO website on XX/XX/year> and XX/XX/year> and the account still shows an available credit limit of {$14000.00} even though the account was closed. I believe that BMO should pay me the {$10.00} reward credits. BMO letter said " We are unable to reconsider this decision. ''

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 2025-04-28 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: AL

Complaint narrative:
Subject : Unfair Nonrefundable Shipping Fee Charged by XXXX for Canceled Vehicle Purchase Complaint Details : I attempted to purchase a 2020 XXXX XXXX through XXXX and was charged {$890.00} for shipping. Upon reviewing the contract terms, I discovered unfavorable financing conditions : Monthly Payment : {$440.00} for 68 months XXXX XXXXXXXX XXXX XXXX  % These terms were not in my best interest. Consequently, I canceled the order and did not sign the contract. Despite not taking possession of the vehicle or finalizing the purchase, I was informed that the {$890.00} shipping fee is nonrefundable. 

I believe this practice is unfair and not aligned with fair business practices. Charging a nonrefundable shipping fee without a completed sale or delivery is unreasonable. 

Desired Resolution : I am seeking a full refund of the {$890.00} shipping charge. 

Supporting Documents : Proof of the {$890.00} shipping charge Copy of the contract terms XXXX with XXXX regarding the cancellation and refund request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MS

Complaint narrative:
On XX/XX/year> I sent Equifax some dispute letters, a copy of my credit report, copy of social security card and copy of driver 's license. I have called several times and they keep telling me that my documents have not been received. My personal information was compromised in the Equifax data breach so its a very uncomfortable feeling to know Ive sent them my personal information and they don't know where it is. I do believe they have my documents somewhere in their facility it just hasn't reached the right hands. I want them to find my documents because I know they have them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: NY

Complaint narrative:
DATE : XXXX TO : Keybank ( via the CFPB XXXX complaint facility ) SUBJECT : KeyBank_No_Email_Alert_Rcvd_For_Charge_Of_ $ XXXX ( XXXX ) A ) SUMMARY : As of this writing, I've still not received a Keybank transaction XXXX for the charge of {$38.00} on XXXX at XXXX from XXXX Superstores ( the aforementioned transaction information was taken directly from the physical receipt I have ). After reconciling all Keybank transaction email alerts between the two consecutive Keybank weekly balance email alerts, there is exactly a difference of {$38.00}. I therefore believe Keybank has this transaction charge of {$38.00} on my account on their system ( XXXX ). 
B ) DETAILS : XXXX ) Keybank weekly balance email alert on XXXX at XXXX of {$2600.00}, XXXX ) All Keybank transaction email alerts -- up to but just before the following weekly balance email alert : ( XXXX XXXX charge {$5.00} ) - ( XXXX XXXX charge {$13.00} ) - ( XXXX XXXX charge {$49.00} ) + ( XXXX XXXX refund {$49.00} ) = ( {$19.00} ), XXXX ) Line # XXXX - Line # XXXX = {$2600.00} - {$19.00} = {$2600.00}, XXXX ) Keybank weekly balance email alert XXXX XXXX at XXXX of {$2500.00}, XXXX ) Line # XXXX - Line # XXXX = {$2600.00} - {$2500.00} = {$38.00}, XXXX ) I've included pictures of the physical receipt from XXXX Superstores. But because of the poor print quality of the physical receipt and the inherent inability of my camera to produce a clearer picture, the quality of the attached pictures is the best I was able to obtain. 
C ) REQUESTS : XXXX ) Provide for me any information you have regarding the charge of {$38.00} ( on XXXX at XXXX ) from XXXX XXXX XXXX including but not limited to, the date/time and any information in your records indicating when an associated email alert was sent to me. 
XXXX ) Only electronic communications will be accepted ; for example, no paper. And, no phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX 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 2025-04-28 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: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX ExperiaXXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I have spoken with XXXX and XXXX at XXXX XXXX Texas XXXX and I was informed by XXXX there is no documentation to support account belongs to me besides the last 4 of my social and date of birth. I was also informed by XXXX the XXXX that there is no documentation on file because they have purchased account from XXXX XXXX. I have asked for a copy of the application as well. I have filed with XXXX  and I have also informed them that my information was apart of XXXX XXXXXXXX breach where it shows several wrong addresses I have a copy of report that I never lived at. I was informed by XXXX XXXX the account was opened in XXXX, I purchased my home in XXXX. I have filed with Federal Trad Commission Identity Theft Report # XXXX, where I have listed the wrong information on my credit report. 

XXXX have mentioned about suing to cover proceeds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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