vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Millco Management
State: NC

Complaint narrative:
Amerifinancial Solutions has listed themselves as a " XXXX XXXX on my XXXX credit report. Per FDCPA 807 ( 2 ) ( a ) this constitutes a violation of FDCPA.

" A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 am formally submitting a complaint against TransUnion for refusing to remove unauthorized inquiries, fraudulent accounts, and incorrect addresses from my credit report. Despite submitting multiple disputes, along with an FTC Identity Theft Report and supporting documentation proving these accounts and addresses were the result of identity theft, TransUnion has failed to take appropriate action. 

The accounts were opened fraudulently, and their inclusion on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .The following accounts were fraudulently opened in my name : Possible Financial Date XXXX, XXXX XXXX Date Opened : XX/XX/24XXXX XXXX XXXX Company XXXX XXXX XXXX, XXXX Date Opened XXXX, The XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/24 XXXX XXXX Date Opened XX/XX/24. 
Additionally, the following credit inquires are fraudulent and unauthorized : XXXX XXXX Via Dealer 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 non-monetary relief
Consumer complaint received 2025-02-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Wakefield & Associates XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Compliance with 15 U.S.C. 6802 Regarding Disclosure of Nonpublic Personal Information Dear XXXX XXXX XXXX, I am writing to address a concern regarding the handling of my nonpublic personal information ( NPI ) under 15 U.S.C. 6802 of the Gramm-Leach-Bliley Act ( GLBA ). 

As a customer of XXXX XXXX XXXX, I understand that you are required to provide clear disclosures regarding your policies and practices for sharing XXXX. Additionally, you must offer me the opportunity to opt out of certain types of information sharing with nonaffiliated third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last XXXX chase bank closed my bank account for no reason, without giving me any explanation, and my credit cards were deactivated, which had a great personal impact on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/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 explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I checked my account today and noticed that there was an encoding error of {$5000.00} on a check that was processed through my wells Fargo account. The check cleared on XX/XX/XXXX and I noticed the mistake on XX/XX/XXXX. Once I noticed the mistake I contacted Wells Fargo who I have had an account with for over 20 years and never have had any issues with my account. I was told that a claim had to be conducted and that it would take 10 business days to resolve. I had them pull up the check and read the amount written out on the check. The lady read the amount and told me that it had to go through the claims process. I asked if I could get provisional credit since obviously the check cleared for the incorrect amount. She told me no because per their policy they can not give me credit until the claim is processed. So for now I am out XXXX for 10 days until they process the check adjustment not including the 3 days that I didn't notice the error. I asked the lady what happens if I need that money to pay bills and I don't have the money she told me we will reimburse you the overdraft fees. I have worked in banking over 20 years, when a customer calls about a check adjustment we pull the check and can process the adjustment immediately while giving the client provisional credit until we receive the funds from the other bank. If my account is earning interest I am out 13 days of interest because wells Fargo can not process the claim sooner.

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 2025-02-15 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian uses shady tactics with their subscriptions - if your card fails for whatever reason on the day of the monthly renewal, they lock your account out and you can't get back into it until you pay the next monthly payment. Once you do that, your monthly subscription does not start from the day you made the payment- it starts from your original renewal date... so you pay for a full month and you were locked out of using the account for 'x ' amount of days. This applies to cancelling the subscription as well - if your payment fails, you can't cancel your subscription until after you make a successful payment even though you aren't receiving any services. It's extremely shady and borderline fraudulent.

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 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
XXXX dollars was fraudulently transferred out of the account into a XXXX account and I disputed it XXXX  they refused to give my money back for XXXX years in seeking redress for the theft and the fact that there is no one to call to dish about the theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: CT

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
XX/XX/year> car was dragged out of driveway ( front wheel ) left marks and hit the curb. Potential damage to car now. GM Financial claims no payment made since XXXX - my bank account shows all payments have been automatically taken out for the past year. To GM Financial.

Called GMF was told it was repossessed and they cant do anytime cause they close in one minute. And not open til Monday. Told me to submit proof car was paid and they will review and determine the fees I will have to pay for the repossession and to get my car out. Its current - not behind. Seems to be an accounting problem on their end. 

Repo driver left no info who he was Called XXXX Police Department to file a report. said it was a civil mater and that they do not show any repossession in my area for that car. Meaning repo company never notified police. I now have to call back and file a stollen car report. 

Currently I dont know where the car is that I have paid for. 

And its my mothers used to get to her appts and XXXX Which is now putting a burden on the family to figure out how to get her to those appts. 

Potential damage to car Damage to property Fees that GM should be paying.

None of this should have happened Filed a complaint as well with GM Financial service.

All documents were submitted to GM Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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: MO

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred despite having significant funds when transactions were occurred I was charged fees due to lagging posting of charges and credits the issue aligns with the recent CFPB findings against Navy federal for similar practices where transactions settled with insufficient balances disputes initially available funds I believe that practices are unfair and request an investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-15 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 am formally submitting a complaint against Experian for refusing to remove unauthorized inquiries, fraudulent accounts, and incorrect addresses from my credit report. Despite submitting multiple disputes, along with an FTC Identity Theft Report and supporting documentation proving these accounts and addresses were the result of identity theft, Experian has failed to take appropriate action.

The accounts were opened fraudulently, and their inclusion on my credit report violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) .The following accounts were fraudulently opened in my 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 

Additionally, the following credit inquires are fraudulent and unauthorized : 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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Data breach and corrupted, I have mortgage loan hard pulls that were never authorized, request of debt validation, chain of custody with original contract and signature which Equifax, Experian, Trans Union claim to have verified but did not share this information with me over a 60 day window yet they still report the inaccuracies verified by companies that I have a active freeze in place.. My bankruptcy was amended due to clerical mistakes and account inaccuracies and upon contacting the XXXX XXXX XXXXXXXX states my records have not been verified by any of the 3rd party affiliates which claimed the verification ever occurred I have made several attempts at disputing these items which are public record to which my information was compromised

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 2025-02-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Data breach and corrupted, I have mortgage loan hard pulls that were never authorized, request of debt validation, chain of custody with original contract and signature which Equifax, Experian, Trans Union claim to have verified but did not share this information with me over a 60 day window yet they still report the inaccuracies verified by companies that I have a active freeze in place.. My bankruptcy was amended due to clerical mistakes and account inaccuracies and upon contacting the XXXX XXXX XXXXXXXX states my records have not been verified by any of the 3rd party affiliates which claimed the verification ever occurred I have made several attempts at disputing these items which are public record to which my information was compromised

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-15 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: NJ

Complaint narrative:
I have disputed multiple inaccurate accounts with [ Experian/Equifax/TransUnion ] , yet they continue reporting false information, violating FCRA 1681e ( b ). These errors have caused financial harm and denied credit opportunities. I demand immediate correction and removal of these accounts per FCRA compliance.

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 2025-02-15 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: SC

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These Failures align with my experience, where Experience has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal laws and my rights as a consumer.

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 2025-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
I have been a customer of Wise for many years but due to increased fees I have not used it recently. A recipient was also using Wise so so approximately XX/XX/year> because it advertised instantaneous delivery of funds. My funds were held for around a week and further yet my account was flagged. I was asked to verify my identify, which they clearly already know. However, their website process doesn't work and even though I've uploaded around XXXX photos of various things, the system fails every time even though I, as a human, can read it clearly. I've contacted support on numerous occasions and they provided a link to re-verify my account as if it's new which is not the issue with the error message I received. I was also asked to simply email my documents which is NOT a secure method of sending such sensitive information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-15 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:
I have not supplied proof under the doctrine of estoppel by silence, 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 explanation