vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This is regarding Wells Fargo and its deceptive payment services. 

On XX/XX/XXXX, I recently entered a settlement agreement with Wells Fargo to close my credit card and make monthly payments at a reduced interest rate. We made an agreement to have the automatic phone payment set for 12 months starting on XX/XX/XXXX and ending on XX/XX/XXXX. The first two phone payments were already made on XX/XX/XXXX, and XX/XX/XXXX. This is where it led to issues with Wells Fargo. After the first and second automatic payments over phone, Wells Fargo decided to enroll me in a different automatic payment method which is the online scheduled recurring payment on the Wells Fargo Website. Because Wells Fargo enrolled me in two different automatic payment methods, I was deducted 2 separate monthly payments on XX/XX/XXXX, and then on XXXX. I obviously brought it up with the Wells Fargo customer service and they mentioned that it would take up to 31 days to return the second payment. I obviously took issue to that because I did not permit Wells Fargo to enroll me in a second automatic payment method - the online scheduled recurring payment on the Wells Fargo website and they did acknowledge on the recorded phone call that they made a mistake enrolling me without advising me. I firmly stated that they can not enroll me in multiple automatic payment methods without obtaining explicit consent for each automatic payment method. Just because on the day of XX/XX/XXXX on the phone call, I gave the Wells Fargo customer representative the limited consent to set up 12 months automatic PHONE payment does not mean that consent is extended to setting another different payment method on my behalf without my knowledge. They apologized for their mistake and would clear the issue up. I don't trust Wells Fargo so I told them to stop and remove my information for automatic payment methods so I can make a manual payment myself every month until the balance is settled. I also removed all the saved payment card or bank account information from the online Wells Fargo account page. The Wells Fargo was very vague in committing to stop the automatic payments. I made sure to mention the Consumer Financial Protection Bureau in the phone call to let the Wells Fargo know their mistake is damaging and of gross negligence. They stated they sent a letter in advance to inform me that they would enroll me in another automatic payment method. I did not receive that letter, but that is not the problem. The problem is that Wells Fargo was callous enough to abuse my consent for enrolling me in a second automatic payment method. I fear I am not the only victim.

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 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX so sent me the amount of XXXX I cleared it with them to make sure it was sent and it was. I called chime saying I didnt receive my money they said it was getting checked by the people over them but they do have it. Each time I called I was getting different stories and during a final call I was told I already got it but she looked into my account at a prior date I stated no thats a different occurrence Im stating my money from XXXX. Ive gone on social media and seen Im not the only victim who chime has stolen money from so there is a overwhelming issue going on Im a single mom of 2 so I loss a lot my bills still arent paid and are close to being shut off because of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: TX

Complaint narrative:
I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX  brought the debt from XXXX AT XXXX XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXXXXXX XXXX COLLECTIONS to provide me the direct contract between them and XXXX AT XXXX XXXX showing that they are authorized to collect for VILLAS AT XXXX XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to out of XXXX XXXX XXXX and Experian reporting this to my report.

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 2025-01-20 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$540.00} Open Date XX/XX/XXXXXXXX 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 2025-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I rent for a year on those apartments and as soon I want to move out I ask them 4 months prior how many day notice should give them and they said 30 day notice I, my contract was over in XX/XX/2023 I give my notice XX/XX/2023 I have proof of that and I paid everything before I move out! 
1 year later I got a letter that I was on debt because they put an eviction on me when I was 100 % I paid everything I went to the apartments and they told me old manager do fraud on more than 10 people with the same thing! I also notice that they put in the description I was moving out because I lost my job something that isnt true

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address to fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Fundo LLC
State: MA

Complaint narrative:
I signed up for a {$900.00} loan from Fundo in XX/XX/XXXX. I made weekly payments to satisfy the loan until XX/XX/XXXX. At the end of the loan cycle, where all payments were made and loan was satisfied, Fundo began to say my loan went in default -although the loan was already paid off as of XX/XX/XXXX. XXXX took advantage of my lack of knowledge on the status of my loan and continued to charge me through out the year. Fundo then began to add fees and for a {$900.00} loan I have been charged {$4700.00} in total as of XX/XX/XXXX. Regardless of this, Fundo still continues to demand money from me in spite of the original payment terms being paid off in full and continues to state that I still owe additional monies for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to rectify the issue. Specifically, the account listed under XXXX XXXX in the amount of {$22000.00} was previously removed from my report but has been improperly reinserted by Equifax. This reinsertion violates the Fair Credit Reporting Act ( FCRA ) as the account remains inaccurate and unverifiable. 

Furthermore, I would like to bring to your attention the recent lawsuit filed by the New York Attorney General against Equifax, which highlights their failure to ensure the accuracy of consumer credit reports and proper reinsertion procedures. The lawsuit alleges that Equifax has engaged in unfair and deceptive practices by failing to adequately address disputes, allowing inaccurate and unverifiable information to remain on consumer reports, and reinserting previously deleted accounts without proper notification or validation. 

In light of this legal action and the continued presence of inaccurate information on my credit report provided by XXXX, I am requesting that the following actions be taken immediately : The removal of the inaccurate XXXX XXXX account in the amount of {$22000.00} from my credit report. 

A thorough investigation into the accuracy and validity of any information reinserted by Equifax and shared with XXXX. 

Written confirmation that the inaccurate information has been deleted and will not be reinserted in the future without proper verification and notification, as required by the FCRA. 

Please consider this letter a formal dispute under my rights provided by the FCRA. I expect a response within the legally mandated timeframe of 15 days. Failure to comply with this request may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: IN

Complaint narrative:
XXXX XXXX charge off on my credit report opened on XX/XX/18 is fraudulent and is inaccurate information and needs to be removed immediately because it violates my consumer rights this charge off needs to be blocked immediately because it's hurting my credit score I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CO

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Subject : Complaint Against Navy Federal Credit Union for Unjust Account Restriction Dear Sir/Madam , I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding the unwarranted restriction of my account ( Account Number : XXXX ). This restriction, implemented under claims of fraudulent membership, is both unjustified and has caused significant financial and personal inconvenience. 

As part of my appeal to NFCU, I submitted comprehensive documentation to prove my eligibility and identity, including : A leasing agreement showing that I reside with my spouse, an eligible Navy Federal member.

My most recent utility bill and pay stub for proof of address.

My photo passport and birth certificate for identity verification.

Despite these submissions, Navy Federal has maintained the restriction, leaving me without access to my funds and financial services. The lack of clear communication and resolution from Navy Federal has exacerbated the situation.

I am seeking the Consumer Financial Protection Bureaus assistance in investigating this matter and ensuring that Navy Federal conducts a fair and timely review of my account. I also request that NFCU be held accountable for the inconvenience caused by their failure to address this issue promptly and effectively. 

Thank you for your time and attention. I am confident that your intervention can help bring resolution to this matter. Please feel free to contact me at XXXX or via email at XXXX for any additional information. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I paid my XXXX XXXX  off in XXXX of 2024. This company continues to report a balance owed which is detrimental to my credit and reputation. I have repeatedly contacted them directly and also disputed through the credit bureau. They refuse to correct the information and I have given well over 30 days at this point. This is a violation of my consumer rights and the FCRA. I demand they delete the tradeline from my report immediately. If not, I plan to file a lawsuit against this creditor and the credit bureaus for violating federal law for inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a Complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for financial violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXXXXXX {$420.00} Online Information SER {$760.00} XXXX XXXXXXXX XXXX  {$19000.00}

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 2025-01-20 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 am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see the attached FTC reports and other relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service in fair practices, which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair interceptive as they did not comply with air resolution requirements under the electronic fund transfer act ( EFTA ) in regulation E. These actions have caused significant inconvenience in financial loss and I seek appropriate red dress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: VA

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint against CAsh App ( Block , INc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation