vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a 401 ( k ) retirement account I previously held with Wells Fargo, which is no longer accessible or available. The account was funded through two rollovers from my previous retirement plan with XXXX XXXX XXXX. The details of these transactions are as follows : On XX/XX/XXXX, a rollover of {$1900.00} was transferred to my Wells Fargo 401 ( k ) account. 
A second rollover of {$28.00} was also transferred to the same account. 
Both checks were mailed by XXXX XXXX XXXX to the following Wells Fargo address : XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX After contacting Wells Fargo to obtain information regarding my 401 ( k ) plan, I was informed that they have no records in my name. I was also advised that their 401 ( k ) retirement plans were transferred to XXXX XXXX XXXX in XX/XX/XXXX, and that Principal should have all information regarding my previous account. However, upon contacting XXXX XXXX XXXX, they informed me that they have no records of my 401 ( k ) plan with Wells Fargo.

Following Principals advice, I contacted Wells Fargo again to request the account history or activity details while it was still under their management. Despite my request, Wells Fargo informed me that they do not have that information either. This response is concerning, as I was under the impression that financial institutions are required to maintain records of financial transactions and account activity. 

I later reached out to XXXX XXXX XXXX to obtain additional details regarding the rollovers. They provided me with full information, including check numbers and transaction details. XXXX XXXX XXXX confirmed that the checks were issued in my name and were successfully cashed by Wells Fargo on the following dates : Check Number : XXXX Written : XX/XX/XXXX Cashed : XX/XX/XXXX {$1900.00} Check Number : XXXX Written : XX/XX/XXXX Cashed : XX/XX/XXXX {$28.00} Despite having this confirmation, Wells Fargo has not been able to provide any records or documentation regarding the history of my 401 ( k ) account while it was under their management.

As I am requesting to locate my retirement plan, I expect a full accounting of my 401 ( k ) funds. If the plan can not be located, I am requesting that a full check in the total rollover amount of {$1900.00} be sent to me as soon as possible. The fact that my retirement savings can not be located is extremely concerning, and I am seeking immediate resolution to this matter. 

Please advise on the next steps to resolve this issue promptly. I appreciate your attention to this matter. 

Sincerely, 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 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I received a letter from Wells Fargo dated XX/XX/year> indicating that a credit card application had been filled out in my name. Application # XXXX. I did not apply for this card. The letter indicates the application could not be completed because my credit is frozen and asked me to unfreeze my credit to complete the application. Obviously that is not going to happen.

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 2025-01-23 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX XXXX except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2025-01-23 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: TN

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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Accounts that are in accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. Accounts that are in accurate 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 explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have explained several times that I consolidated my XXXX XXXX car loan and credit card statement. XXXX XXXX still has the consolidation amount for both loans as well as the amount for just the car loan on my credit and they have it listed as two separate charges when they should only be one one of XXXX. The amount of {$9300.00} should not be there. Im looking for the incorrect account to be removed and only the consolidation account to show. Also my date to remove this off of my credit report. Keeps getting pushed back. I would like to change to reflect the original date at first. It was at the beginning of 2025 now is saying at the end of the year 2025 I want that fixed. The max on my XXXX XXXX card charged off at around {$5000.00} so how could that balance now be almost 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 2025-01-23 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: SC

Complaint narrative:
I have explained several times that I consolidated my XXXX XXXX car loan and credit card statement. XXXX XXXX still has the consolidation amount for both loans as well as the amount for just the car loan on my credit and they have it listed as two separate charges when they should only be one one of XXXX. The amount of {$9300.00} should not be there. Im looking for the incorrect account to be removed and only the consolidation account to show. Also my date to remove this off of my credit report. Keeps getting pushed back. I would like to change to reflect the original date at first. It was at the beginning of 2025 now is saying at the end of the year 2025 I want that fixed. The max on my XXXX XXXX card charged off at around {$5000.00} so how could that balance now be almost XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
Accounts were closed and charged off for no apparent reason

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Since XX/XX/XXXX, I filed several disputes regarding errors on my credit report with Experian and their investigations did not remove the errors from my credit report although I showed proof that the Fair Credit Reporting Act was violated. Experian failed to investigate properly and they input addresses on my credit report that are not mine. 
Also, I filed several complaints against Experian with the Consumer Financial Protection Bureau. On XX/XX/XXXX, Consumer Financial Protection Bureau sued Experian for not conducting proper dispute investigations, failing to remove errors off of credit reports, and reinserting false or old information which relate to the issues I had with Experian.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Block, Inc.
State: TX

Complaint narrative:
Used cash app to purchase in 4 installments both cash app and XXXX charged my card causing negative in account and could never get anyone at cash app to help no one ever answered eventually things where dropped on both ends but had fees associated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account is accurate, without providing any evidence of a thorough investigation this practice violates the fair credit report act ( FCRA ), 15 U.S.C 1681i which mandate a reasonable investigation of disputes I request that CFPB take action to ensure that XXXX, transunion, and XXXX complies with the federal law and provide consumers with the necessary proof of investigation

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 2025-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account is accurate, without providing any evidence of a thorough investigation this practice violates the fair credit report act ( FCRA ), 15 U.S.C 1681i which mandate a reasonable investigation of disputes I request that CFPB take action to ensure that XXXX, XXXX, and experience complies with the federal law and provide consumers with the necessary proof of investigation

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: LA

Complaint narrative:
Closed my account and deactivated my card with XXXX dollars still on it had no way of getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian, XXXX, and XXXX has failed its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed lawsuit against Experian, XXXX and XXXX, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where all three companies listed : Experian, XXXX and XXXX has neither corrected nor removed or amend the disputed accounts, as their 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 explanation
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed inaccuracies on my credit report with Experian. Despite providing supporting evidence, Experian failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) and violated several of its obligations under the law. Specifically : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 1681i ( a ) ) : Experian did not adequately address my dispute or verify the accuracy of the information reported.

Failure to Provide Relevant Information to Furnishers ( FCRA Section 1681i ( a ) ( 2 ) ) : Experian did not forward the supporting documents I submitted to the data furnisher.

Failure to Assure Maximum Possible Accuracy ( FCRA Section 1681e ( b ) ) : Experian failed to ensure the information on my credit report was accurate.

Failure to Provide Clear Dispute Results ( FCRA Section 1681i ( a ) ( 6 ) ) : The results letter I received was ambiguous, leaving me uncertain about the outcome of the dispute.

These actions are consistent with the allegations in the recent CFPB lawsuit against Experian ( XXXX XXXX. XXXX ). The lawsuit details systemic failures, including ignoring consumer-provided evidence, mischaracterizing disputes, and over-relying on furnishers ' responses without independent verification. These practices violate both the FCRA and the Consumer Financial Protection Act ( CFPA ). Experians actions have caused harm to my creditworthiness and financial stability.

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 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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 these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

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 proce 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 46 financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, il XXXX XXXX XX/XX/year> Attn : Legal Department XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX Re : Cease and Desist Demand Dear Sir/Madam, Re : Cease and Desist Demand I am writing to formally demand that Global Lending Services immediately cease and desist all further communication, collection actions, and any other activity regarding the account identified as in connection with my name, [ XXXX XXXX XXXX XXXX 

I dispute the validity of this debt and demand that you immediately stop all attempts to collect on this account. I request that you provide verification of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) within XXXX days. Please be advised that if you do not provide the requested documentation or continue to engage in harassment or collection activities, I will not hesitate to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. 

Under the FDCPA XXXX XXXX XXXX, I have the right to request that you cease contacting me. Therefore, please take this letter as my formal request to stop all forms of communication regarding this matter. I expect that you will respect this request and refrain from any further contact with me unless required by law. 

If this matter is not resolved appropriately and you continue with collection efforts, I will explore all legal remedies available to protect my rights. 
I also request that you provide written confirmation within XXXX business days that you have ceased all collection activities and that no further contact will be made. Failure to comply with this demand will result in further legal action. 

Please take notice that this letter constitutes a formal request for you to cease and desist, and your failure to comply may have serious legal consequences. I trust that you will treat this matter with the seriousness it deserves. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation