vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 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: American First Finance, Inc.
State: MO

Complaint narrative:
Dear CFPB, This complaint is to report deceptive financing practices and harassment by XXXX XXXX regarding the purchase of a stove and dishwasher on XX/XX/year>. 
Misleading " Same as Cash '' Offer : The store verbally stated " same as cash '' financing option with 90 days no interest or charges if paid in full. 
I understand that " same as cash '' typically means no interest is charged if the full balance is paid within the specified period. 
However, after making a down payment of {$100.00}, I received a delay in my finance charges that appeared to alter the original terms. 
Changed Documents After Signing : I signed the initial sales agreement. 
Subsequently, I received documents that appeared to change the terms of the financing agreement. 
I believe this constitutes a breach of contract. 
Excessive Interest Charges : Despite making payments, I was charged significant interest, indicating the " same as cash '' offer was not as explained in store. 
I believe these charges are unfair and potentially deceptive. 
Harassment After Payment : After I paid off the entire balance on the appliances, I experienced persistent harassment from the company American First Finance. I just had XXXX and did not have the ability to answer any of their calls or emails. I simply told them over the phone when I made the payment in full I was disappointed in the company and would not do business with them ever again. That I was mislead and completely upset. They then proceed to call and harrass me with numerous phone calls and emails, which I believe constitute harassment.

Complex and Confusing Terms : The financing agreement appeared to contain complex and confusing terms that may not be easily understood by all consumers. 
I believe this company 's XXXX XXXX actions constitute violations of consumer protection laws, including potentially deceptive advertising, unfair credit practices, and harassment. 

I have added example email of them offering Holiday Funds for shopping not explaining interest rates or terms effectively that goes along with what they were saying in store vaguely. 

I request that the CFPB investigate this matter and take appropriate action to hold American Freight accountable for its actions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I did a mobile deposit of a check on XX/XX/year>, for the amount of {$3800.00}. This check was issued by the United States Treasury, Thrift Saving Plan, which is my retirement account. I made this withdrawal due to the ongoing natural disaster in XXXX XXXX CA, specifically, the wildfires. I made this withdrawal to prepare and have on hand. I am directly affected by this. On XX/XX/year>, could not view my account. I chatted online and they told me to call the fraud department. I called and they asked me if I made the deposit, and asked me who wrote the check and why. I explained exactly what I explained above. They told me they would review it and get back with me. I then contacted the Citi Executive Response Unit to get clarification and to expedite this. I was told they will review my complaint and get back with me. The case number for that request with the Citi Exec Response Unit is XXXX. There is no valid reason why this account should be restricted, blocked or closed. There is also no valid reason why this legitimate check should be flagged or restricted.

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 2025-01-15 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: NJ

Complaint narrative:
Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They let me know that recovering lost funds is impossible and were not able to track the funds either. I am beyond grateful that CFPB has indicated that Zelle has neglected to protect consumers and additionally, allowing repeat offenders to exploit the system, leaving users vulnerable to scams. Finally action is being taken because it is not right. The lack of accountability is unacceptable as consumers have no safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach, compromising my sensitive data. Upon reviewing my credit reports, I identified accounts that I do not recognize or recall opening. I submitted a request to the Consumer Reporting Agencies ( CRAs ) for validation of these accounts ; however, the required documentation has not been provided as mandated under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ). This failure to validate the information and the presence of unverified accounts on my credit report raises significant concerns about the accuracy and security of the data being reported. To address this matter, I have filed an FTC complaint regarding the breach and the unrecognized accounts and attached supporting evidence, including my government-issued ID, a copy of the FTC complaint , the National Data Breach Notification report, and a prior Validation of Debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
XX/XX/2025 I received {$9000.00} from a friend that owes me money and he sent it and my account went under review! Said it takes 48 hours. 

I waited and waited the on XX/XX/2025 my account let me have access to my account so I transferred the {$9000.00} to my savings cause thats the only card I had showing that works So I started to withdrawal money which was {$600.00} a day from my atm Savings card Then they froze my account again saying it was fraudulent transfer but others are saying its still under review! But fraud team called said my account will be closed in 60 days and didnt give me a reason never called and spoke to me or gave me a reason just called and said my account was closed but I been waiting since XX/XX/XXXX for a review thats suppose to take 48 hours They are literally holding my money I am a XXXX XXXX Veteran and they are very rude and trying to say my funds were fraudulent when I live by XXXX  this is the worst banking experience ever I have a family to feed and I have bills and need money for gas for work they literally had my account under review since XX/XX/XXXX dont care how I survive in this world! 

Very harsh to a veteran that fought for his country!!!

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 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Huntington Debt Holding LLC
State: KY

Complaint narrative:
Company called my sister. When she spoke to them, they did not ask her for verification of identity. She said she was me to ask about the account because they would not give her any information. The man then gave her my entire social security number, home address, bank account number and routing number, email, and phone number. He just said are you XXXX and she said yes. She did not have to give any verification. He would not tell her what it was about and hung up on her. 

It is illegal to provide information without having the customer verify their identity. Anyone could of said they are me and got all my personal 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 2025-01-15 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: TX

Complaint narrative:
I am writing to express my concerns regarding the handling of disputes related to Zelle transactions. It has come to my attention that the follow-up on these disputes has not been executed properly, particularly in the light of the recent CFPB lawsuit that highlights a significant amount is issues with the platform. 

There seems to be a lack of communication and resolution efforts on Zelle 's part, leaving many users uncertain about the status of their disputes. It's crucial that a more robust follow-up process is established to enhance user trust and satisfaction. The CFPB 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. The lack of accountability and transparency is unacceptable and raises a serious concern in regard to consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Army and Air Force Exchange Service
State: IN

Complaint narrative:
Card opened fraudulently in my name and used at Army & Air force exchange services. Due to this fraudulent activity my social security security has been reduced XXXX dollars monthly until the debt is paid back to the department of Treasury. This account was opened in sometime in XXXX of 2023 however i was not contacted and did have Fraud alert on my credit agencies. The card is a Military Star card. I need to have this investigated and my credit and social security restored .Date of last activity was XX/XX/year> Thank you

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 2025-01-15 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: FL

Complaint narrative:
In light of the recent CFPB lawsuit highlighting significant issues with Zelle 's platform, I'm inclined to express my concerns with their business practices pertaining to disputes. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed that recovering lost funds was impossible to recover 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 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX XXXX XXXX XXXX XXXX XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

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 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
All extra fees from Navy Federal - debt card and credit card- they scammed customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: MS

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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 2025-01-15 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I checked my credit report once again and I saw that Bank of America is falsely reporting my information to the credit bureaus.

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 2025-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UD DEPARTMENT OF EDUCATION {$1500.00} Charges filed Officer XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA

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 2025-01-15 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: AZ

Complaint narrative:
Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION {$1500.00} Charges filed Officer XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2025-01-15 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: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft 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 recent CFPB findings against Navy Federal for similar practices, where transactions settled with initially available funds. O believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My Information got hacked in several data breaches along with misinformation on my credit reports.

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 2025-01-15 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ascendium Education Group
State: SC

Complaint narrative:
I contact XXXX because XXXX accounts are showing as closed and paid. I was in formed that ASCENDIUM bought the debt and now I have defaulted with them. I do know anything about this debt. I need the debt verified and validated. I and requesting that it be removed from my credit file with XXXX, which shows closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had sent money to this person and i did not recieve the services promised so I tried to fix it with XXXX and they were not able to help me out, regardless of how fast I caught onto the scam.

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 2025-01-15 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: GA

Complaint narrative:
I am submitting a formal complaint against Navy Federal Credit Union regarding numerous overdraft fees I have incurred over the years. Despite having sufficient funds in my account to cover authorized transactions, I was charged overdraft fees due to delays in the posting of charges and credits. This situation appears to align with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which identified similar practices at Navy Federal, where transactions were settled with insufficient balances even though funds were initially available. I believe these practices are unfair, and I respectfully request that a thorough investigation be conducted into my account transactions over the course of my membership with the Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation