vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am writing to formally file a complaint regarding deceptive and unfair practices by Wells Fargo in relation to the financing plan I accepted for my new air conditioning system. 

On XX/XX/XXXX, I agreed to a Wells Fargo credit card offered through XXXX XXXX & XXXX to finance my AC purchase of {$12000.00}, along with an additional charge of {$650.00} on XX/XX/XXXX, for city licensing fees. The financing was offered with an 18-month interest-free period, provided regular monthly payments were made. 

I accepted this financing offer with the understanding that I would make equal monthly payments over 18 months to pay off the balance before the promotional period ended, thereby avoiding any accrued interest. However, Wells Fargo deliberately set up my payment plan with a minimum payment structure, rather than equal payments that would ensure the balance was paid off in time. This practice appears to be a predatory strategy designed to trap customers into paying interest charges once the promotional period ends. 

At no point did I request or agree to a minimum payment arrangement. Wells Fargos decision to structure my payments this way was a violation of the terms I agreed to, and I feel they acted in bad faith by not making it clear that minimum payments would not pay off the balance in time. 

Unfortunately, during this period, I was going through a painful divorce and relocating to my new condo and awhile remodeling it. Due to my circumstance my personal and financial records were not as organized as usual, and I was emotionally overwhelmed. I never anticipated that a large financial institution like Wells Fargo would engage in such deceptive practices. 

On XX/XX/XXXX, I paid my full statement balance, just a few days short of the 18-month deadline. Wells Fargo then charged me a significant interest fee, despite my good faith effort to pay off the balance. I have since tried to resolve this issue with them and requested a waiver of the interest charges, but they have refused to cooperate. 

I am now seeking your assistance in filing a formal complaint and requesting that Wells Fargo refund the unfairly charged interest. Given my financial situation and lack of steady income at this time, this money is extremely important to me. I believe their actions were misleading and designed to exploit customers who do not closely track the payment structure they were set up with. 

I appreciate your time in reviewing my complaint and look forward to your support in resolving this matter fairly. Please let me know if you require any additional information or documentation.

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 2025-01-30 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: NJ

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: 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 NUMBER : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
The Bureau found that for years after the inception of Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). The Bureau also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. The Bureau further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPAs prohibition on unfair practices. In addition, the Bureau found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. The Bureau also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution. The order requires Block to change its practices to comply with the law, pay at least {$75.00} XXXX in redress to consumers, up to {$120.00} XXXX. The order further requires Block to pay {$55.00} XXXX in civil money penalties. 

Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I made 7 Phone calls and submitted over 10 complaints to Fay Servicing after they took over my loan. They not only failed to respond in a timely manner, but they admitted the mortgage payments were made on time to the mortgage company that they purchased the loan.

Fay Servicing is sending me notices that my house may be in foreclosure proceedings.

Fay Servicing violates many laws of mortgage lending : 1. Violation of RESPA ( Real Estate Settlement Procedures Act ). Under RESPA, mortgage loan servicers are required to resolve disputes regarding loan payments and servicing errors in a timely manner.

Fay Serving has failed to reply to emails and phone calls promptly and in accordance with their obligations communicated through email and phone calls.

Mortgage payees have a 60-day grace period after a transfer to a new servicer. FTC guidelines 1024.33 ( b ) ( 4 ) ( v ) states the customer can not be charged a late fee when the payments are sent on-time mortgage payment to the old servicer by mistake and your new servicer cant report that payment as late to a credit bureau .

2. FCRA ( Fair Credit Reporting Act ). The FCRA protects consumers from inaccurate information on their credit reports. If Fay Servicing incorrectly reported a delinquent payment after you provided proof that the payments were made, they may have violated the FCRA.

Fay Serving incorrectly and purposely put inaccurate information on my credit report, even after I provided proof 3+ times that the payments in question were made. 
I have provided proof that XXXX ( {$3500.00} ) and XXXX ( {$3500.00} ) payments were made and gave evidence of payments. Fay servicing admitted the previous mortgage received the payments proof that XXXX and XXXX were paid on time is attached. 
Under FTC guidelines, it is Fays responsibility to get any payments made to the old mortgage processor within 60 days of the loan transfer. It is Fays responsibility to get the payments from XXXX. I understand that XXXX is indicating to Fay that only one of the two payments was made. That communication that only one payment was made is not my concern as clear proof that both XXXX and XXXX were paid has been provided to XXXX  numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
So over the weekend my Wells Fargo debit card was used on XXXX transactions of XXXX which I didnt authorize I called Wells Fargo XXXX XX/XX/year> to let them know that I did not authorize the transactions. I had Wells Fargo for about 4 months now and I only use my debit card on Apple Pay with purchases and I let them I didnt authorize any of purchases. I read everything on how to speed the process of the investigation I emailed the merchant got no response yet. I chatted with an agent that told me that since I dont a FanDuel account they couldnt help me and chatted with another agent that told since I dont have an account my debit card should have used. Now XXXX isnt a merchant you can call they dont have a phone number. I called my bank letting them i tried contacting them and still no answer it was about XXXX XXXXXXXX XXXX that was taken and I have bills to pay but the money hasnt come back to me nor did I receive any credit while they complete their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: MA

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CEPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked inaccurate : XXXX XXXX for a balance of {$290.00} opened XX/XX/XXXX XXXX XXXX XXXX for a balance of {$370.00} opened XX/XX/XXXX XXXX XXXX for a balance of {$1100.00} opened XX/XX/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 2025-01-30 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services XXXX XXXX XXXX, XXXX, MA XXXX Subject : Cease and Desist Demand Regarding Collection Activities To Whom It May Concern, This letter serves as a formal demand that your company immediately cease and desist all collection activities concerning the alleged debt associated with [ Account Number XXXX AND XXXX which you claim I owe. Your actions appear to be in violation of federal laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to 15 U.S.C. 1692c ( c ), I hereby revoke any and all permissions to contact me regarding this matter. Any further communication, other than as explicitly permitted by law ( such as providing written notice of termination of collection efforts or intent to pursue legal remedies ), will be considered a violation of federal law and subject to legal action. 

Additionally, under 15 U.S.C. 1692e, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of a debt. If you are reporting this debt to credit bureaus without proper validation, you may also be in violation of 15 U.S.C. 1681s-2 ( b ), which outlines your responsibilities regarding the reporting and verification of information to consumer reporting agencies.

If you believe this debt is valid, you are required under 15 U.S.C. 1692g ( b ) to provide me with proper validation, including the original creditors information, a breakdown of the alleged amount owed, and evidence that you have the legal right to collect this debt. Failure to do so will be taken as an acknowledgment that no such debt is legally enforceable. 

If you fail to comply with this cease and desist request, I will have no choice but to pursue all legal remedies available to me, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I may also seek legal action for damages under 15 U.S.C. 1692k, which allows for statutory damages up to {$1000.00} per violation. 

This letter serves as formal notice of my intent to enforce my rights under federal law. I expect your immediate compliance. Please confirm in writing that you have ceased collection activities and, if applicable, removed any negative reporting from my credit file. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX : {$6000.00}

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 2025-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to dispute a charge of {$1100.00} the charge is in error because I did not do business with LVNV Funding at all no contract/consent nothing no approval from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I contacted the bank SoFi on XX/XX/year> about a claim about a refund due from XXXX XXXX  due to not receiving my delivery items. I noticed SoFi took the money from XXXX already and SoFi bank have not deposited funds yet into my account. It have been well over 10 days and XXXX XXXX  have not rebuttal for the chargeback. So why is SoFi holding onto the funds and not returning to my bank account meantime XXXX XXXX is trying to charge me again for the amount in question of {$36.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I noticed that XXXX XXXX was taking unauthorized small payments from my cashapp for almost a year. In contacting XXXX i was told i had to contact Cashapp. When contacting cashapp i realized i had to do a report on each small transaction to even get feed back. After a few attempts i tried for a customer help number that didnt work. I eventually blocked XXXX feom being able to do unauthorized transactions. I am still trying to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Unauthorized transaction were made on my CashApp without approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-30 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: GA

Complaint narrative:
I filed a dispute on acct XXXX XXXX XXXX acct # XXXX dues to no late payments were made during the time of this acct. I requested them to provide statements of all payments and missed since the account was opened. Experian denied to follow up with the investigation. I was recently notified that the CFPB filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumers dispute results. This is similar to my current situation. Experian has not attempted to remove or correct my information. I am requesting that this derogatory remark be removed or corrected IMMEDIATELY as it's affecting my chances to refinance my mortgage. Experian violates my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation