vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

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 2025-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo cancelled a wire transfer I made on Friday XX/XX/XXXX. I had called the bank at about XXXX to see when the cutoff would be they said XXXX and the amount could not exceed XXXX. I submitted the wire and and got the all good signal. 
Then on the weekend I got a text that the wire had not gone thru and it had been cancelled. 
I complained the following Tuesday XX/XX/XXXX after rearranging the transfer and resent another wire only this time for {$120.00} more because of interest accrued by not having it delivered on XX/XX/XXXX as scheduled. On XX/XX/XXXX I received an answer to my complaint. 
" We confirm that a wire was submitted on XX/XX/XXXX for {$23000.00} and was held by our XXXX XXXX due to you recently enrolling in online wires, a first time online wire, a first time payee, the dollar amount of the first time wire, '' At no time did anyone say or is anything posted online about first time limitations. I've been a Wells Fargo customer for 45 years. Both business accounts and personal w/two stage verification, and there was plenty of money in the account for the transfer. So they knew me and my banking history which is stellar and they were sending it to XXXX bank for heaven 's sakes. 
That doesn't have even the faintest smell of fraud ... but this stinks.

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 monetary relief
Consumer complaint received 2025-02-12 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
My overdraft fees a lot of times come from NavyFed holding my certified deposits for way too long resulting in frequent and unnecessary fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NPG Associates, Inc.
State: MI

Complaint narrative:
Contacted family members ( parents as well as siblings ) threatening legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I had fraudulent charges on my credit card, tried to dispute them with the bank. They keep refusing most of the disputes of the XXXX charges I was told by the XXXX department that they would reach out to me if they needed further information I received the call from an XXXX number who claimed they were the XXXX department taken care of my case I exchanged information multiple times with the same person acting as the XXXX  card XXXX department gave me information that I would only think XXXX would have I called the number on the back of my card to check to make sure this person was legitimate and all they could tell me is that yes somebody was working on the case and they can only give me the first letter of his first name which matched the gentleman I was speaking to who was in fact fraudulent and that phone number is XXXX when I finally googled the number thats how I found out. Its a scam and I believe thats how all this is happening, but the bank will not credit me the charges that I did not make.

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 monetary relief
Consumer complaint received 2025-02-12 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 2025-02-12 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: PA

Complaint narrative:
I am writing to formally request a review and correction of inaccuracies on my credit report. I have identified the following items that I believe to be incorrect and am seeking assistance to correct them.

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 2025-02-12 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: GA

Complaint narrative:
The information used was incorrect and was not removed from report and has affected future policies from databases and opt out of these inquiries

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 2025-02-12 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 


EQUIFAX XXXX XXXX XXXX UNAUTHORIZED COLLECTION XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to 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 non-monetary relief
Consumer complaint received 2025-02-12 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: AZ

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( XXXX U.S.C. XXXX ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX  - XXXX - {$3000.00} XXXX XXXX XXXX - XXXX - {$1800.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Credit of Virginia Inc.
State: VA

Complaint narrative:
I bought a car from Auto Credit of VA in XXXX, I could no longer afford the car, so it was repossessed in XXXX. For years now Auto Credit have been harassing send documents to my home, places of employment, and my family homes currently and its now XXXX. They threatened me back in XXXX stating that they will always find me and that they would ensure they garnish all of my wages. The representative at the time said we will never leave you alone and this was word from word. Since then, they have done just that. They have taken me to court over XXXX times since the car has been repossessed. I've tried to work out payment plans but they never answer my voicemails when I leave them. But they always send judgments and garnishment papers to me with my SS number on the documents. I've asked them to stop sending papers to my home leaving them on my door with my full security number out, this is highly unacceptable. I am in the middle of bankruptcy as we speak and this is my 3rd paper sent to my home and old place of employment. At this time, I feel very uneasy, and I feel very harassed. I am a single mom with XXXX kids with no help and them steady harassing me to take my wages. Please reach out or respond ASAP as the company has been unprofessional and threating since 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 2025-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: KS

Complaint narrative:
We mistakenly paid the first half of our property tax ( {$1400.00} ) out of pocket in XX/XX/XXXX out of pocket without realizing our property tax was bundled into our escrow. We noted that our mortgage has recently gone up to pay for the increase in property tax, so we figured we'd get that money back from our mortgage company since they didn't have to pull it from our escrow ( Because we paid it out of pocket accidentally ). We reached out to Amerihome, our mortgage company, to get refunded but they claim that their wired property tax money was not sent back to them from our local tax office ( XXXX XXXX, Kansas ). We then reached out to the tax office and then said they had only recieved our out-of-pocket payment. We then proceeded to go back and forth between Amerihome and our tax office with at least XXXX instances of contact ( Calling, live chat, app messages ) to each party over the course of XX/XX/XXXX to XX/XX/XXXX. The tax office says they never recieved the tax wire payment from Amerihome, only our credit card payment, and therefore will not be sending an payment back to Amerihome. Amerihome says they won't refund us until the tax office sends their money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I am writing to formally file a complaint regarding a potential data breach and unauthorized access to my student loan information. I have reason to believe that XXXX XXXX, or entities associated with him, may have gained access to my personal and financial data without my consent. This raises serious concerns about privacy violations, data security, and compliance with federal regulations, including the Gramm-Leach-Bliley Act ( GLBA ) and the Family Educational Rights and Privacy Act ( FERPA ). 

My personal and financial information was compromised without any authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 

I urge your office to investigate this matter to determine whether my student loan data has been improperly accessed and to hold any responsible parties accountable. Additionally, I request the following : A full disclosure of how my information was accessed and used. 
Immediate corrective action to prevent further unauthorized access. 
Assistance in protecting my personal and financial data from further exposure. 
Please confirm receipt of this complaint and provide any next steps regarding the investigation. I appreciate your prompt attention to this matter, as it is critical to protecting my rights and the security of my financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: CA

Complaint narrative:
I recently discovered that my credit report contains incorrect personal information, which has led to an unknown and inaccurate account appearing under my name. As a victim of identity theft, my personal information was fraudulently used, and now I am dealing with the consequences of an account I was never associated with. Following TransUnion 's instructions, I promptly filed an FTC Identity Theft Report and submitted all necessary documentation. Despite my efforts, this fraudulent item still remains on my credit report, which is both frustrating and unfair.

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 2025-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I called Mohela on Friday XX/XX/XXXX at XXXX and sat on hold for about 3 hours and 35 minutes until connected to a representative. I told him I have been accruing interest during XXXX XXXX interest times and that all letters I have received since the transfer from Mohela to Mohela student aid have had different information. He told me that student aid tells them how much I owe still and that there is nothing they could do. I asked why all my documents have different amounts owed on it and he told me to talk to studentaid. I requested to speak to a supervisor so I could file a complaint and resolve this issue and he put me on hold and hung up on me at XXXX. I went to Mohela 's website to file a complaint and submit a request to have my account reviewed and when I would hit submit nothing would happen. The following is what is wrong with my loans. 
My interest accrued is incorrect on all of my loans, my principal balance is off for one loan, and many letters with conflicting information. On Statement on XX/XX/XXXX says I owe {$110.00} for a loan which included both interest and principal balance but as of today ( XX/XX/XXXX ) it is at {$4500.00} while on XXXX XXXX interest and based on my data from NSLDS and my records this loan should actually be around {$4500.00}. I have used previous emails and letters as well as the data from NSLDS to show this. I have found {$1900.00} of interest interest added to my account. This was not an issue on my original loan servicer and only started happening after being transferred to Mohela as shown my NSDLS data and letters. My account on Mohela 's website does list payments made since XX/XX/XXXX but does not list any information about how much my balance was after making these payments. Mohela also sent a letter when my loan was transferred to Mohela Student Aid and it listed my balance being transferred but did not list any interest which is misleading over how much I owe. My credit reports have also been showing different amounts for over a year. They have reported drastically different number going from low to very high to a little lower to higher again. With all the misleading and conflicting information I'm struggling with what I should be paying and there's no way to even contact someone to find out why there is inaccurate amounts on my loans and letters let alone resolve it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
XXXX XXXX XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax and Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 


This fraudulent, inaccurate, and false information consists of a account opened at XXXX XXXX  XXXX XX/XX/XXXX ), XXXX collection accounts from ( XXXX XXXX XXXX opened XX/XX/XXXX and XX/XX/XXXX ). Hard inquiry from ( XXXX XXXX XXXX XXXX on XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), Hard inquiry from ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX and XX/XX/XXXX ). ( XXXX XXXX XXXX account opened XX/XX/XXXX ). These Accounts have resulted in several hard inquiries appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of My consumer credit reports and that related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 


These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief