vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I made a mistake on Sunday XX/XX/year>, and paid my XXXX Credit Card from my Wells Fargo Checking account, and not my XXXX XXXX  Checking Account. Monday morning XX/XX/year>, I noticed my account was overdrawn, and immediately transferred funds from XXXX XXXX to cover the payment. Because of the bank float, the transfer did not show up until Tuesday XX/XX/year>. At this point, the transfer showed as pending on my bank account, and the payment that I had made ( {$3700.00} ) was not showing at all, so my available bank balance was around {$4000.00}. Since I noticed the previous payment was not showing at all, not pending, no declined, it was completely removed from my activity, I called Wells Fargo to make sure I proceeded correctly to rectify my error. In calling Wells Fargo, on a recorded line, I was told that my payment was declined due to insignificant funds, and if I needed the payment to go through, I would need to make it again. I followed the advice from a Wells Fargo representative, and because this was now past my payment due date, I immediately made the payment to minimize any interest that would show up on my credit card. Later that day my bank balance was showing around {$500.00} as I anticipated. When I looked at my bank balance on Wednesday XX/XX/year>, my bank balance was again negative ( - {$3200.00} ). I immediately called Wells Fargo, again, to try and rectify this situation ( as I have other payments scheduled to come out of my Wells Fargo checking account this week ). I was told a claim would have to be made, and transferred to the claims department. There, I was told essentially there was nothing Wells Fargo could do, that I would have to wait 2-10 business days after the transaction posts ( they could not stop a pending transaction, seems like they should be able to ), and then I would need to call back to have them start the process of getting my money back in my account. As far as other payments due, I would have to transfer money from another account to make my account positive ( which isn't an option currently ), or I those payments would not be made. Wells Fargo told me they could not issue a provisional credit, and any penalties and interest on payments due that I could not make now are my responsibility. I am more than frustrated, that I followed the advice of a Wells Fargo representative, that I proactively called to specifically ensure this situation didn't happen. Furthermore, I am appalled at the lack of support or solutions that Wells Fargo provided to me, other than I have to wait and all penalties and interest on other payments are my responsibility, when I followed their directions to put me into this situation.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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. I reached out to this company on several occasions with no response from authorized persons affiliated with this company ; during the most recent biggest financial hardship this country has seen, which was the time of COVID-19. This drastically affected my family 's financial state. 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 theses violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I opened a Robinhood account. I sent money for my bank account in the amount of XXXX to put into the Robinhood account. I purchased cryptocurrency I contacted Support to ask why the verification did not go through as I presented my passport and three pictures of myself. I was met with it will take one to three days, after which I was told that they could not do it. So I sold the cryptocurrency and tried to move the money back to my account. They would not allow me to do that. They used verification process as a reason for the delay of my funds to be put back in my bank. Its been about four or five days theres been Two or three open enclosed cases with a continuously just closed the case and I have to open a new one and thats the cycle starts over. They have been sent the credentials over the phone on the app and via email and still refuse to allow me to withdraw my funds back to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: OPORTUN FINANCIAL CORPORATION
State: NE

Complaint narrative:
In XX/XX/XXXX my investment account on Oportun was forcibly closed and liquidated. I am trying to obtain myXX/XX/XXXXOportun tax forms but am continually getting the run-around from customer service representatives via email. They said XXXX manages tax forms and to log in to XXXX XXXX to view and download my tax forms. When I attempt to log in to XXXX Client with my current email address I only seeXX/XX/XXXXMy Oportun account may be linked to an old email address that I no longer have access to. I let Oportun customer service know and also submitted a ticket to XXXX which I have received no response to. I have spent 9 days trying to resolve this issue and it is genuinely getting ridiculous by this point. Please help me obtain my XX/XX/XXXX Oportun investment account tax forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: NJ

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

Company 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 2025-02-05 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: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''

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 2025-02-05 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-02-05 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello There! 

I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed proof of my current address that you require. 

Here is a list of the incorrect addresses, please remove them : The only address that should be listed is shown at the top of this letter. I also would like for you tocorrect the spelling of my name. There should absolutely not be any variations of my namebecause it is spelled one way. I have enclosed my ID as proof of the correctspelling. 

Again, here is a list of the incorrect spellings : EMPLOYER - XXXX XXXX XXXX  This employer information does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Village Capital & Investment LLC
State: LA

Complaint narrative:
I am requesting a follow-up on complaint XXXX. I discussed the resolution with Village Capital on XX/XX/XXXX. Part of the original complaint resolution documented by Village Capital involved updating my XXXX report for XX/XX/XXXX to show that my payment was made on time ( the 30-day late would be removed ). My credit report as of today, XX/XX/XXXX, still reflects a late payment for XX/XX/XXXX, so Village Capital has taken no corrective action to resolve this issue.

I have been trying to resolve this directly with Village Capital for four months, but I am not getting any resolution. I have repeatedly requested that the XXXX payment history be updated to reflect " current. '' I have been directed to email the internal credit bureau department at Village Capital numerous times. I have provided screenshots of the incorrect reporting to this department and proof that the payment was made on time. I have emailed them and followed up for 4 months. Village Capital has failed to update the XXXX payment history to " current, " causing me issues. Due to this credit reporting mistake, I can not obtain another mortgage loan to move to another state to resolve my daughter 's healthcare issues. 
I need to resolve this as soon as possible. This reporting issue directly violates the FCRA, which states that all credit reporting should be accurate. The incorrect late payment also affects my ability to obtain credit, which affects my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 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: WA

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XX/XX/XXXX {$750.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
i do not recognize this account and i have made many complaints through CFPB and the credit agencies fail to remove it from my credit report, i request that it be deleted because it does not allow me to make progress on my credit since it was marked as bad debt. 

ACCOUNT : CITIBANK  - 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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2025-02-05 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: SC

Complaint narrative:
In accordance with the fair credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report profile and noticed some hard inquiries that do not belong to me.

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 2025-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX we created an ACH through our bank to go to several employees. 

After the fact, a bank member ( XXXX XXXX ) informed me that the money never made it to her account. After checking, we realized she had omitted one number in her account, so the funds could not find their way to her checking account. 

My bank ( XXXX XXXX XXXX, XXXX Ohio ) could not stop payment on the initial transfer, and we ended up giving her a paper check instead. 

I have attempted to call, but can never make it through the phone tree to get to someone to help. I've tried faxing and sending a letter with no response. 

Total amount sent : {$1200.00} Sent to USAA : XXXX XX/XX/XXXX Incorrect account number : XXXX Federal Tracing ID : XXXX it is well over 2 1/2 months since the mistake and no one is helping me.

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 2025-02-05 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX 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 2025-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On or about XX/XX/XXXX I contacted Rocket Mortgage and was transferred to a XXXX XXXX XXXX XXXX. I asked him if they could take over my 2nd mortgage at the 7 % that I was seeing, he stated that the only way they could do that was if I refinanced my 1st loan or if I took out a separate loan. He then stated that I could go over to Rocket Loans and get the money I needed and then come back and consolidate the 2 loans for that rate. I did that and communicated with him throughout the process at the number he gave me which is XXXX. I did some repairs and spruced up my bathrooms with tile floors, vanities, painting mirrors and repaired my fence and toilet that was damaged during the hurricanes. I then called him back and someone else from Rocket answered stating that they didn't know who he was and that language continued until I sent them a text proving that he worked their. Then I was told he was fired and they're not going to honor his words. I also noticed that he is also with XXXX XXXX XXXX. Please help me

Company response to consumer: Closed with explanation