vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am a victim of data breach for both XXXX and XXXX XXXX. Documentation have been provided to show I am a victim of identity theft. I have made numerous phone calls to have these fraudulent accounts removed from my credit report. Please remove these accounts from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Equity Advantage Holdings, Inc.
State: IA

Complaint narrative:
I was not aware of being signed up for Auto Pay Plus when I got my loan through the auto dealership I recently found out that my payments were being automatically withdrawn from my account by a third party Auto Pay Plus so I looked them up and I see that there are fees for using their service a program fee monthly fees yeah yeah I added it up it was over just under {$500.00} since the beginning of the year besides the accelerated payment was just made and all of the program fees were already satisfied so they were not able to cancel and give me my money back but they could cancel without a refund. They reassured me that the first accelerated payment they made went all towards principal I looked up on their website and it also says that they guarantee that the accelerated payment goes all towards principal because and not interest. I went and looked at my statement on the loan 's account page for the financing company it shows the payment was made on the XXXX of XX/XX/year> and go to autopay Plus 's website says the accelerated payment was made on that day same amounts and but on my credit union page it shows that only a portion of that accelerated payment went towards principal the rest went towards interest. I don't have any paperwork from the dealership that says anything about using a third party or Auto Pay Plus or any fees I don't recall receiving anything from auto pay plus regarding anything I definitely did not get a text from them saying hey you were signed up for this read over this etc. I believe both the auto dealership and Auto Pay Plus need to be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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 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 2025-01-21 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: TX

Complaint narrative:
I am filing a complaint against Equifax, XXXX and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AZ

Complaint narrative:
I am writing to express my concerns regarding Zelles handling disputes, particularly regarding the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs 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 for consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX XX/XX/year> Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, EQUIFAX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), XXXX have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
i found tow transactions on my account XXXX made on XX/XX/XXXX amout of {$1000.00} XXXX XXXX made on XX/XX/XXXX amount of {$590.00} i checked with my bank they said claim was denied they can refund me i dont know what i can do

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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 2025-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I made several payments to my loan and they were reversed by WellsFargo. I contacted Wells they said they would put in a request to have the funds re-applied but it would take 7 Business days. Meanwhile I am accruing interest which I shouldnt be. They are holding my money and have not reapplied my funds

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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/year>, payment in the form of a check # XXXX was submitted to XXXX XXXX to pay on account in the amount of {$74.00}. XXXX XXXX converted the check to an electronic payment and deducted from account. The transaction is listed on the bank account. 

On XX/XX/year>, a second payment, referencing the same check # XXXX was deducted from account. The transaction is listed on the bank account. 

A call was made to XXXX XXXX about the double payment. They declared only one payment of {$74.00} was posted.

An inquiry to the Huntington Bank created a case file, but the bank did not acknowledge the double transaction and they closed the case before receiving the evidence of the double payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
My Lease through XXXX XXXX was coming to and end at the end of the year last year. It showed I still owed XXXX. I tried to pay this using there payment portal but that portal had my account payment ability suspended. 

I inquired about this on XX/XX/XXXX and the response I got was incoherent and basically just call us ( communication included in " Poor Communication '' documents attached. 

Well a little time passed XXXX is a busy month ) and I went to the dealership and got all of the paperwork filed and a loan filed to buy out my lease. So I thought nothing of it. Now I am getting a Late Payment claim on my XXXX credit score. 

I reach out once again to their website portal and the response I get is the same incoherent legal speak and then please call. " Poor follow up and support '' Screenshots attached. 

So I call today XX/XX/XXXXXXXX  and I politely talk to the representative about how I want the Late payment report removed. by explaining the process above. They quickly say they will send me to the " XXXX '' group. 

The am listening to the waiting music and abruptly someone answers with complaints about how they didn't want to answer and how this wasn't there job. I didn't understand but I explained my situation once again. 

They were very rude and argumentative which out of frustration I was in return. Their argument was that I could have payed this many different ways etc. However, I fell like I should not be required to call to make a payment ( which will then give me a surcharge ) because they can not manage their website properly. 

All in all I feel like their customer support is bad and I will likely not buy a XXXX product in the future because of these issues. 

I would like to note that their web services are so bad that even now after my loan is fully paid off and past its end of lease date they have a late payment showing on the website and it shows I need to pay next month. ( see " Past due that is not accurate '' screenshot )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 the recent CFPB findings against navy federal for similar practices, where transactions settled with insufficient balances despite inhumanly available funds, I 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — International 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 ( 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 2025-01-21 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: NJ

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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: FL

Complaint narrative:
This letter constitutes a formal dispute of the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXXXXXX XXXX  : Account number : XXXX XXXX XXXX  : Account number : XXXXXXXX XXXX : Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX I did not open or authorize these accounts, and I dispute the accuracy of all information related to them. I request that you immediately investigate this matter and remove these accounts from my credit report within four ( 4 ) business days. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires you to investigate and respond to my dispute. 
I have attached a copy of my FTC Identity Theft Report, my government issued identification, my social security card, and proof of my current address as evidence of this identity theft. 
I expect a prompt and thorough investigation into this matter. Please provide me with a written confirmation of the actions taken to resolve this dispute. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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:
This letter constitutes a formal dispute of the following accounts on my credit report, which I believe are the result of identity theft : XXXX XXXX XXXX XXXXXXXX : Account number : XXXX XXXX XXXXXXXX XXXX : Account number : XXXXXXXX XXXX XXXX : Account number : XXXXXXXX XXXX  : Account number : XXXXXXXX XXXX XXXX XXXX  : Account number : XXXX I did not open or authorize these accounts, and I dispute the accuracy of all information related to them. I request that you immediately investigate this matter and remove these accounts from my credit report within four ( 4 ) business days.

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which requires you to investigate and respond to my dispute. 
I have attached a copy of my FTC Identity Theft Report, my government issued identification, my social security card, and proof of my current address as evidence of this identity theft. 
I expect a prompt and thorough investigation into this matter. Please provide me with a written confirmation of the actions taken to resolve this dispute. 
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 2025-01-21 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 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 practice where transactions settled with insufficient balance, despite initially available funds. I believe these practice are unfair and I request an investigation into my account transaction.

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