vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I sent letters via certified mail, as well as made phone calls, to this company requesting information about the origin of the debt. I informed them that my information was exposed in a data breach, and I would like to know how they received my information. I also requested a copy of origin contract, or any documentation showing my signature and proof that this debt is mine. I received nothing in return. I have been reaching out for months and still have received nothing. I'm not even sure what this company is. When I tried calling, they claimed they bout my debt from a credit card company, but my only credit cards have been through XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and I bank througXXXX XXXX XXXX XXXXXXXX. None of these are associated with this debt, as I have contacted all of my credit card companies as well. They were very rude when I spoke with them, refused to allow me to speak to a supervisor, and essentially told me I was lying and dismissed my concerns, which led to my contacting them via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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 Ap

p ( 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 s
eek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Our mortgage loan was sold to another company all of sudden as soon as we purchased our home. We did not receive any letters or were notified that this was going to happen until almost a month later. It was a stressful time since my partner and I were working long hours as well as unsure with what was going on. Due to the sudden change we had made a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto insurance account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections 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, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-25 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: MI

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, XXXX '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 XXXX complies with federal law and provides 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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-01-25 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: OH

Complaint narrative:
I have been attempting to have TransUnion do a proper investigation into a series of erroneous information reporting on my credit report but to no avail. They have advised that they will no longer perform a credit check on my account because the information has already been verified. But this is not true. I would like to know how TransUnion can properly investigate my credit report and they don't even have my correct name on my credit reports per the correspondence that they have forwarded to me in which they state that they will not investigate the disputes of several accounts listed on my report.

Under 15 U.S. Code 1681e ( b ) Accuracy of Report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, if 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 : 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. 

I have requested that the following accounts from the merchants below be properly investigated and deleted from my credit report due to the erroneous and misinformation displayed. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I have attached responses from TransUnion per file number XXXX where they clearly have my name and other information incorrect on my credit reports which shows that this information is simply being placed in the E-Oscar system and is not being properly investigated by a true human being to eliminate errors and mininformation.

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 2025-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my XXXX credit card account was closed and incorrectly flagged as not mine. Following the closure, I canceled automatic payments on XX/XX/XXXX. However, my account was mistakenly re-enrolled in automatic payments on the same day ( XX/XX/XXXX ) without my permission, leading to continued charges. 

Despite my efforts to resolve this issue, Comenity Capital Bank continued to charge my account. On XX/XX/XXXX, I was informed that the re-enrollment occurred in error, but the charges persisted. I have repeatedly requested a refund for these unauthorized charges, as well as a review of any related finance charges that have accrued. 

I was also notified that finance charges were applied due to a balance carried over into subsequent billing cycles. However, I should not be responsible for these charges because they were the result of an error in re-enrollment. 

Comenity Capital Bank has initiated an investigation, but no resolution has been provided to date. I am requesting a full refund of all charges made after my account closure, including any finance charges that resulted from the error. 

XXXX of Events : XX/XX/XXXX : XXXX credit card account closed. 
XX/XX/XXXX : Automatic payments canceled, but re-enrolled the same day in error. 
XX/XX/XXXX : I was informed the re-enrollment occurred in error. 
XX/XX/XXXX : Automatic payments were finally unenrolled. 

Desired Resolution : I am requesting a full refund of all unauthorized charges and any related finance charges caused by the incorrect re-enrollment of automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On Thursday, XX/XX/year> i closed on a small term loan with my local XXXX XXXX XXXX XXXX XXXX XXXX. The purpose of the loan was to pay down a few creditors and also do a home improvement project. Velocity informed me the day of closing that they would be sending out XXXX XXXX envelopes containing a cashiers check to pay down the creditor to zero. XXXX of the payoffs was a cashiers check to Applecard-Goldman Sachs They received the XXXX package at about XXXX on Friday XX/XX/year>. when i inquired they said they had not even gotten the check to the processing department. 
But here is where the problem kicks in. They sent me an email that day XX/XX/year> and advised they were posting the payment but that the payment would be subject to additional hold times. i immediately called them and asked what was going on. i was told well you normally do not pay by check and we need to make sure we give this enough time to clear. i was then informed it could take up to XXXX business days. This is a cashiers check -guaranteed funds from the bank. it can not bounce, and you can not place a stop payment on a cashiers check unless you go and purchase an indemnity bond for twice the face value of the check from an insurance which is very expensive Theccheck by the way is for {$1900.00}. i have called numerous times, created an escalation case and continue to get NOWHERE. They are in violation of Banking Regulation CC for placing an extended hold on a cashiers check and i have never had a payment returned or have had an suspicious activity on my account ever. They should not be allowed to get away with this. Can you please help me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake financial needs to delete this account because XXXX XXXX XXXXXXXX has closed down because of fraudulent activity including this my account and they send my account to Westlake financial and I would like Westlake to delete this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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. 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 they're dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer act and regulation E. These actions have caused significant Inconvenience in financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
See Attached Exhibits # 1 -5 : Wells Fargo said they overcharged me for XXXX  years for a safe deposit box and tried to give me a refund with little to explanation.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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, 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 2025-01-25 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: FL

Complaint narrative:
My Experian credit report includes accounts and inquiries that I did not open or authorize. These items are the result of identity theft, and I am requesting their immediate removal. 

Fraudulent Accounts : XXXX XXXX ( Account # XXXX ) : This account was placed into " Collection '' incorrectly. 
XXXX ( Account # XXXX ) : Marked as " Charged off. '' I did not open this account. 
XXXX XXXX ( Account # XXXX ) : Incorrectly reported as a " Charged off '' account. 
XXXX XXXX ( Account # XXXX ) : Fraudulent account not initiated by me. 
XXXX XXXX XXXX ( Account # XXXX ) : Incorrectly marked as a " Collection. '' Unauthorized Inquiries : XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year>, XXXX inquiries ) The presence of fraudulent entries on my credit report has adversely affected my credit score, leading to denials of loan and credit card applications. This situation has not only increased my financial stress but has also caused considerable inconvenience.

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 2025-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I fell victim to theft from multiple debit cards that I had. XXXX of those cards was my personal bank ( XXXX ) and the other was cash app. These cards were connected to gaming accounts online and thousands of dollars in transactions were made using both of them. I immediately reached out to the merchants involved in this scam. They sent me email confirmation of the unusual and suspicious activity and they immediately suspended the account. I then filed disputes with my bank ( XXXX ) who took action and got me part of my money returned. Then, I reached out to cash app for their help in filing the disputes on the cash app debit card because there were so many. They told me that they couldnt help me and that I had to do each transaction XXXX by XXXX. I proceeded to do this and before making it through even half of the transactions, CashApp emailed me in less than XXXX business day and informed me that all of the disputes were denied. I provided them the emails from the merchant themselves saying the account was compromised and the transactions werent legitimate. Cash app is not taking responsibility for immediately denying my disputes. They did not properly investigate these transactions and they certainly did not reach out to the merchants involved to even ask them about the transactions. After receiving the denial emails, I called cash app immediately to speak with someone about why they denied my claims. They kept saying someone would email me the reason and even hung up on me on multiple occasions. As a financial insured company they are required to investigate all disputes transactions and provide me provisional credit if a decision is not made within 10 days. I do not have an exact amount but the estimate is somewhere around {$30000.00} missing from my cash app account. I want them held accountable for making me feel like they are not there to help a customer in this type of horrible situation. Also I should mention that they closed my account so now Im unable to file any more disputes or do anything other that call them. Which is useless because they continue to tell me someone will reach out to me and nobody ever does.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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: LA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees and NSF fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-25 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:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me XXXX. Hope you can address this soon, please.

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 2025-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to inform you that I have recently become a victim of a data breach that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.

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