vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WESBANCO BANK, INC.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX XXXX XXXX XX/XX/XXXX I am writing to formally request the removal of entries related to XXXX closed accounts from my XXXX report. These accounts, listed under WesBanco Bank with the address of XXXX XXXX  XXXX, XXXX, WV XXXX, were paid in full and closed in XX/XX/XXXX. 
Despite these accounts being resolved, WesBanco Bank has refused my repeated requests to remove the entries from my XXXX report. As a former employee of WesBanco, I find this continued reporting to be unjust, as my past financial mishap has been rectified and continued reporting is perceived as punishment for no longer being employed. 
I kindly urge XXXX to remove these entries from my report, considering my previous attempts and the resolution of the accounts. It is unfair that I continue to face undue punishment that prevents me from opening new accounts without unwarranted hindrance. 
Should this matter not be resolved promptly, I will be compelled to pursue legal action against the bank for any damages incurred due to this ongoing reporting. 
Please address this matter at your earliest convenience. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX ky

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased a wig from a wig merchant for XXXX in XX/XX/year>. Two months after my purchase, the wig fell apart despite being advertised to last 5 years and after being repaired twice. I tried to return the wig to the merchant and they refused, so I disputed with my AMEX. When filing the original dispute, I was never prompted to upload any documentation and only given a text box to describe my issue. Without asking any more information from me my dispute was closed, citing that the merchant claimed I violated " Terms and Conditions '' by putting lace melting spray ( an industry used wig adhesive ) on the wig and that they offered to repair the wig -- which was included in a PDF the merchant sent. However, it is clear that AMEX did not actually look into the dispute details because part of the screenshots the merchant provided were not even from me- it was from a customer with the same issue ( page 28-31 on the document entitled Merchant dispute document ), and the terms and conditions do not state anywhere to not use lace melting spray ( Merchant dispute document pages 4-5 ). During the reopening of the disputre, AMEX called me once asking for more information for the dispute, and I had missed the call and tried calling back 4 times and left a message every time. I never spoke with anyone after that before they closed the dispute. I believe AMEX did not actually look into the dispute or they would have seen that merchant 's arguments were not valid to my dispute, which was I had been sold a faulty product. I have attached the merchant 's dispute argument and what I had submitted to AMEX which was never addressed before the dispute was closed out. I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I am applying for the IBR payment plan for my Federal Student Loans. I have consolidated them already.

MOHELA has yet to process my IBR application. I applied once during consolidation in XXXX  and again in XXXX  as I was concerned that perhaps they hadn't received my application since it was taking so long. I was able to have my loans put on forbearance until this month, when I started receivin
g late payment notices. I have called multiple times but the only time I was able to get through with my work schedule, they then told me to hold for 1-2 minutes. After being told about the 1-2 minute hold, an automated message made clear that the actual wait was three and a half hours, this is on top of the four hours I had already waited for a callback. I can not afford to take days off of work to deal with MOHELA 's incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I have multiple accounts that do do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: CITIBANK, N.A.
State: TN

Complaint narrative:
This is on a Best Buy Citi credit card. On XX/XX/year>, my card was charged for XXXX transactions fraudulently. There were XXXX charges of XXXX. I called immediately to report this as fraud. They said they would close it and report it as well as send a new card. They sent a new card out but when I called back XXXX weeks later to tell them the charges were still there, they said no one had reported it. They said to wait 60-90 days. Fast forward to XX/XX/year>, I got a letter in the mail saying they completed the investigation and were removing the charges from my account. I waited an additional week before calling back. The charges were still there so they said they would put in a dispute and that it would be another 45 days. I have called on 4-5 separate occasions. I keep getting calls from them to make my payment. I had a near perfect credit score before this and now it has been tanked. My wife and I are in the process of building a house as well as needing a new vehicle. I cant do either until this is resolved. I am absolutely XXXX because I have done everything right and cant get a person on the line that seems to be from XXXX. They keep putting it off. I just called again today and they said I have to call another number again tomorrow. Please lord XXXX help me. 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 monetary relief
Consumer complaint received 2025-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I was never informed that an account was open or closed also I never open an account with them. They put a fraud notice on my credit report for XXXX usd

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 2025-01-27 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:
Subject : Dispute of Civil Liability for Negligence under 1681o Non-Compliance I am writing to formally dispute the claim regarding my credit report that was reported to your agency. The account in question is [ account number, if applicable ] and I believe that this account is inaccurate due to a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, which pertains to civil liability for negligence.

The account in question has been reported in a manner that is inconsistent with my understanding of the situation and the facts. I believe that your reporting practices, as they pertain to my information, were negligent and did not comply with the standards outlined in the FCRA, which has caused damage to my credit profile.

As per Section 1681o, I am requesting that you correct the error and provide evidence of your compliance with the necessary procedures in verifying the accuracy of this account. Failure to do so would be a direct violation of the FCRA, which entitles me to both an amendment of the record and potential civil damages.

Please investigate the matter and provide me with the following information : Verification that the information reported is accurate and that it complies with the standards of FCRA.

Evidence of compliance with reasonable procedures to ensure the accuracy of the information.

Any documentation or records pertaining to the reporting of this account.

Please respond within 30 days of the receipt of this letter, as stipulated by the FCRA. If the information is not corrected within this time frame, I will be forced to take further action, including seeking remedies under civil liability for negligence as outlined in Section 1681o of the FCRA.

I look forward to your prompt attention to this matter. Thank you for your cooperation in resolving this dispute. 

Sincerely, XXXX XXXX XXXX {$2600.00} ACCT XXXX XXXX {$6300.00} ACCT XXXX XXXX XXXX {$4200.00} ACCT XXXX XXXX  XXXX {$21000.00} ACCT XXXX XXXX XXXX  {$1300.00} ACCT XXXX XXXX XXXX  {$2800.00} ACCT XXXXXXXX XXXX XXXX {$13000.00} ACCT XXXXXXXX XXXX  {$3100.00} ACCT XXXX XXXX  {$410.00} ACCT XXXX XXXX  {$680.00} ACCT XXXX XXXX  {$170.00} ACCT XXXX XXXX  {$350.00} ACCT XXXX XXXX  {$26.00} ACCT XXXX XXXX  {$38.00} ACCT XXXX XXXX  {$330.00} ACCT 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 non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a formal complaint against Cash App ( Block, Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations.

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: TX

Complaint narrative:
I am filing a complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Experia consistently responds within 24 hours, stating that 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, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5535 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
There was a charge for XXXX XXXX on my card. I tried to dispute it on line but was told to call the XXXX. I was transferred between4 different departments, made three seperate calls, asked to verify myself on each occasion and when they told me they were replacing my card for the second time, I expressed my disappointment for doing so without permission especially, since they did the same thing last month. I asked them to log a dispute but then they said they could not verify me and I was to call them from my office. I will cancel my card after making a final payment and trying once again to get the disputed charge remove, but am writing confirm everything I found on line aobut Citcard to be true : Many people consider the Citi card dispute process to be " awful '' because it can be frustratingly difficult to resolve disputes successfully, with complaints often citing long wait times, unhelpful customer service, and a tendency for Citi to deny legitimate claims, even in cases of fraud or clear errors ; essentially, many find the process of disputing a charge on a Citi card to be cumbersome and frustrating.

Key points about Citi card disputes : High denial rate : Some users report that Citi frequently denies disputes, even when presented with strong evidence, leading to frustration and a perception of unfair practices.

Complex process : Navigating the dispute process can be complicated, often requiring multiple calls and documentation, which can be time-consuming for cardholders.

Customer service issues : Users often complain about long wait times and unhelpful customer service representatives when attempting to resolve a dispute.

What to do if you have a Citi card dispute : Gather evidence : Be sure to have all relevant documentation, including receipts, statements, and communication with the merchant, before contacting Citi.

Contact customer service promptly : File a dispute as soon as you notice an unauthorized charge.

Be persistent : If your initial dispute is denied, be prepared to escalate the issue by contacting a supervisor or reaching out to the Consumer Financial Protection Burea

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-26 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 lagging posting of charges and credits. This issue aligns with the recent CPFB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I 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 2025-01-26 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: TX

Complaint narrative:
My information was stolen via the infamous data breach. My credit has been impacted by these breaches since XXXX  to present day. None of the inquiries and reporting should be allowed to remain on my consumer report due to the fact that my privacy was breached and I can not confirm the validity of the charges listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX has failed to fulfill its legitimate obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation in of disputed information on my credit report, leaving unresolved, unverifiable and expired statue of limitations accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to to adequately notify consumes of dispute outcomes. These failures align with my experience, where XXXX has neither removed or corrected action to remove or amend the disputed accounts., XXXX XXXX inaction violates federal law and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt collector has not provided me proper debt validation for this alleged debt. Also the credit bureaus did not provide me with a reason as to why the information on my credit report is accurate, they just said its accurate and did not provide my information on how they came to that conclusion same for the collection or credit agency

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). I believe that the errors on my credit report have occurred as a result of negligence in the preparation, review, or maintenance of my credit file, in violation of Section 1681. I want to buy a house for my family but this is hindering us from doing so. 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 2025-01-26 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: IN

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 initially available funds. I believe these practices are unfair and request an investigation into myths 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 2025-01-26 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:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of 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 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