vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Quick Recap : Missing Wire Transfer - Wells Fargo said they successfully sent it but my bank, XXXX XXXX XXXX, has no record of it. ( Asked for recall to no avail ) My insurance company sent me a wire from their bank ( Well Fargo ) to my bank XXXX XXXX XXXX XXXX ) on XX/XX/XXXX for the amount of {$750.00}. After a day or XXXX, I called XXXX XXXX XXXXXXXX because the wire isn't showing up in my account. XXXX XXXX XXXX  rep said there was no incoming wires and to verify with the sender because they can't do anything. Called the company, and verified the routing number and account number, they said their payments dept will look into. After XXXX weeks, the company said they can't do anything about it because everything was sent accordingly with XXXX XXXX  confirmation and that its issues with my bank. My bank is saying there is no record of this. After weeks of back and forth, the company called and said Wells Fargo can't recall the wire because it was successfully received by XXXX XXXX XXXX, but my bank said they still have no record of it and its not in my account. 

Routing number and Acct number has been verified multiple times

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 2025-01-28 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 in unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, Cash App failed to take timely and efficient 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 losses and I seek appropriate Redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is the third complaint I have submitted. The first complaint specified information that was completely ignored. The response included was based on an investigation using information that was incorrect. I detailed why this information was incorrect. The second complaint has received no response. I have requested an an account statement five times. The first time I was told " no Im not going to do that '' another request was taken over the phone however I never received the statement by email or postal mail. I want a statement with every transaction made to my account. I want all information used to determine the outcome of all claims that have been filed. I want all information the bank holds in every form that I am legally entitled. A review of recorded telephone calls placed regarding my account would clarify and support my claim. I have documented many instances in which the bank or a representative of BofA prepaid card holder division allowed the security of my account to be compromised. I have all this information written in a letter with supporting attachments however I need my account statement so that I can show which transactions need to be investigated. I also need this information so I can file a second police report.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To Whom It XXXXay Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: DC

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE. THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE FRAUDULENT PERSONAL INFORMATION FROM MY CONSUMER CREDIT REPORT.

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 2025-01-28 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: DC

Complaint narrative:
IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX  HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE. THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE FRAUDULENT PERSONAL INFORMATION FROM MY CONSUMER CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Desert finance repossessed and took possession of a car XX/XX/XXXX then they didnt report anything else to my credit report. All of a sudden, They then waited until XX/XX/XXXX to report 13 missed payments all at the same exact time. They are not reporting in a fair manner. They needed to report the account being late as of XX/XX/XXXX and then every month since, not wait over a year later to hit me with 13 missed payments at one time. They have to report on my credit as it happened. This account was closed as of XX/XX/XXXX and my report states it closed XX/XX/XXXX They are reporting wrong information and not reporting a correct payment history as it happened.

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 2025-01-28 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 not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-28 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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: TN

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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 2025-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: ID

Complaint narrative:
In XXXX I was locked out of my online account and I called the number on the credit card to make a payment. The person I spoke with told me that there will be a {$15.00} payment fee for payments over the phone. 
I found out now that fees for payments over the phone are not allowed. When I reached out to First Interstate, they told me that the fee is charged by XXXX. On the First Interstate credit card, they only list one phone number which is the one I called. 
I would like to see if they are allowed to charge the fee and if they are not to reverse it and take further measures to not overcharge their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I looked at my XXXX credit report on XX/XX/year> 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 15 USC 1681s-2 they are supposed 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 2025-01-28 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 want reported accounts removed. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-01-28 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I stayed at a room using my chase card and the hotel stated the card didnt got through however authorization was pending but it never fail off. I used another card to process payment sent chase the receipt and I dispute the amount with chase they still told me I had to pay. Even showing them the receipt that showed that stayed was with another card. They reverse the fee and I never paid it because Im being wrongfully charged. Now its on my credit in collections. Also had zelle issues with them also.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to follow up on an ongoing issue regarding the reporting of my payment history to the credit Experian, XXXX and XXXX credit bureau. For over XXXX year, despite consistently paying my bills on time, my payment history has not been accurately reflected in my credit reports or my FICO XXXX. This discrepancy has negatively impacted my financial standing. 

I have previously submitted a complaint through the CFPB, which resulted in a temporary improvement to my Experian FICO XXXX score However, the underlying issue remains unresolved as my timely payments continue to go unreported.

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 2025-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 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: OH

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-28 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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: SC

Complaint narrative:
XX/XX/XXXX. 
Credit Control , LLC ( debt collector ) XXXX Reference # XXXX They were trying to collect debt that owe to XXXX XXXX XXXX XXXX. 
Owed XX/XX/XXXX : {$520.00} XX/XX/XXXX : {$510.00} How am I being charged when I just got released from XXXX  in XXXX XXXX, XXXX I got my release papers to prove plus Im currently on XXXX  as well I can prove that. I XXXX XXXX XXXX XXXX XXXX since XXXX. This the second time I had identity theft with them they keep saying I owe, I can open nothing will 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 2025-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Affirm Holdings, Inc
State: AE

Complaint narrative:
I am writing to formally file a complaint regarding Affirm, a financial services company, for its failure to honor a previously agreed on a lifetime of my loans 6 % APR for my loans. On XX/XX/year> I received a message stating I didn't qualify for the SCRA Benefits, however, they have reduced the interest at rate to 6 % for the entire life of loans as a courtesy outside the standard protection under the SCRA. I have made multiple attempts to resolve this matter directly with Affirm, including escalating the issue to their customer service representatives, and affirm refuses to honor the lifetime 6 % APR agreement. I have received their explanantion, said it was a mistake, sent me their SCRA explanantion. In the messages, it was clear I didnt qualify however they did a lifetime courtesy 6 %. 
I respectfully request the CFPB to investigate this matter and require Affirm to fullfill their statement and not call it a " mistake '' their failure to honor the agreed upon terms is unethical and damaging to consumer trust. I understand the SCRA benefits, and I appreciate the loans they applied it too, but they are not following the " rules '' very contradicting.

Company response to consumer: Closed with explanation