vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing this letter to formally dispute the information reported to Early Warning Systems ( EWS ) that has negatively impacted my ability to open a bank account. I, XXXX XXXX, demand that you provide immediate resolution to this matter. 

Your reporting has hindered my access to essential banking services, and I find this unacceptable. If Early Warning Systems can not furnish a copy of my signature or any binding contracts related to the accounts listed below, I demand the immediate deletion of all corresponding information associated with me. 

The accounts in question are as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : - XXXX XXXX XXXX XXXX  : - XXXX If Early Warning Systems fails to provide valid proof of any contractual relationship I have with these financial institutions, I expect the immediate removal of all related information from your databases. 

It's critical for me to resolve this issue promptly, as my ability to open a bank account is being unjustly compromised. I appreciate your urgent attention to this matter and look forward to your swift response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MS

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees applied to my account both joint and individual. These funds were sufficient at the time the transactions were authorized. 

This situation mirrors the recent findings in the CFPB regrading Navy Federal practices. I believe these practices were unfair and I am requesting an investigation to be performed regarding my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 29 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a letter on XX/XX/year> requesting validation and the company failed to provide any information within the time provided under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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 : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : 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 2025-01-18 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 formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activities on their platform, leaving my account exposed and inadequately protected.

Additionally, their dispute resolution process was both unfair and deceptive, as they failed to adhere to the error resolution requirements stipulated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have resulted in significant financial loss and inconvenience. I seek appropriate reparations for these violations and a commitment to improved compliance and customer support to prevent similar issues in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: SC

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant platform issues. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to adequately investigate my claims, stating that recovering or tracking the lost funds was impossible. The CFPBs findings reveal Zelles failure to protect consumers, allowing repeat offenders to exploit the system and leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App did not take timely or effective steps to prevent or address fraud on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was unfair and deceptive, failing to meet the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have resulted in significant inconvenience and financial loss, and I am seeking appropriate remedies for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
They wouldnt take the money out right away and it would go into overdraft a lot of times and they never resolved the issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-18 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: IL

Complaint narrative:
I am writing to formally express my concern regarding Zelles 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 CFPBs 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
Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
I sent a Complaint via CFPB on XXXX to the credit bureaus requesting that the XXXX XXXX XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

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 2025-01-18 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: GA

Complaint narrative:
I sent a Complaint via CFPB on XX/XX/scrub>XXXX to the credit bureaus requesting that the XXXX XXXX XXXX XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
( 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 2025-01-18 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: TX

Complaint narrative:
This is in regards to CFPB lawsuit regarding Zelle 's handling of disputes. Zelle and my financial institution failed to investigate my claims adequately, despite reporting discrepancies. I was informed that recovering lost funds was impossible and 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 other users vulnerable to scams. This raises high concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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 is aligned 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 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 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express ( Amex ) agreed in XX/XX/XXXX to write off 2 debts alleged owed by me Amex agreed to send me a 1099c at the time of this agreement i informed them to contact me by u.s.p.s only 58 times since this date they have contacted me by email which i understand by fed law if they break a cease and disist that they will have to pay {$1000.00} for each violation so after 18 times i send then a letter stating they violated federal law and owed me {$18000.00} and ask them where the 1099c is as i had not received it .As, retaliation against me, They then hire a lawyer and sue me in XXXX XXXX Ga state court, when in fact there is an abirtory clause in there contract. So i file an answer to their claim and counter sue them for 28 violations ( {$28000.00} ) at time of filing my answer in state court. The orignal lawyer amex hired stepped down after i filed my answer in court.They hire another lawyer to presue the case.As of today XX/XX/XXXX there is 58 violation of them contaction me thru email after they were told only contact me by u.s.p.s. only and 38 times after they hired a lawyer to sue me in court Im pretty sure once you hire a lawyer by federal law you are not allowed to continue to contact the other party you are sueing in a court.I have paper work to prove all i have stated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Request for Verification and Removal of Debt Dear Equifax ACCCOUNT : XXXX XXXX XXXX XXXX open XXXX I am writing to formally dispute the accuracy of the debt referenced on my credit report, under account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request verification of any debts reported to the credit bureaus. Specifically, I request the following : Verification of the Debt : Please provide detailed documentation to verify that I owe the stated amount, including any supporting records that demonstrate the debt is mine. This should include the original contract or agreement, signed with a wet ink signature, which demonstrates my obligation to the debt. 

Itemized Billing Statements : I want to clarify that an itemized billing statement alone is not considered sufficient proof of a debt under the FCRA. As per 15 U.S.C. 1681, I request documentation that includes the original signed agreement.

Additionally, I remind you that under 15 U.S.C. 609 ( a ) ( 1 ), I am entitled to request verification of any information being reported. If you are unable to provide the original signed contract and proper verification of the debt, I request that you remove this item from my credit report and delete any reference to this debt from your records, as required under the FCRA. 

Please respond to this dispute within the timeframes set forth by the Fair Credit Reporting Act ( 30 days ). If I do not receive satisfactory verification of the debt within this period, I will consider this matter resolved and request that you remove the negative information from my credit file. 

Thank you for your prompt attention to this matter. I look forward to receiving your response with the requested documentation. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report showing disputed debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: OK

Complaint narrative:
I had a cash app card for years an never violated any rules I used the card for bills and help from friends to help me with livelihood I do not understand why the cash app card company that I spoke to would not give me a reason on why I can not access a cash app anymore they got my personal information an have banned me for some reason I am very frustrated with this situation its been a hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Alright, so I met this guy online named XXXX. He said he was from XXXX and had this whole story about how he was moving to the U.S. We started talking every day, and honestly, I thought this was real. He knew exactly what to say, made me feel like we were building something. 

Then things changed. He started talking about how his money was tied up overseas. He couldnt get to it and said he needed help covering stuff like travel, legal fees, and other things so he could move here faster. He promised over and over hed pay me back once he got here. 

I believed him. I mean, I really thought this was legit. I sent money to a few different people he said were helping him out : {$2700.00} to XXXX XXXX {$2000.00} to XXXX XXXX {$2000.00} to XXXX XXXX {$2000.00} to XXXX XXXX At first, he was super thankful and kept reassuring me everything was fine. But then, the messages started slowing down. Hed make excuses about why he couldnt call or text as much. Then out of nowhere boom. He ghosted me. 

Thats when I realized Id been scammed. Those names? Probably fake. Those emergencies? All lies. He played on my emotions, made me feel like I was helping someone I cared about, it was all just a setup to steal my money. 

Looking back now, its so obvious, but in the moment, I didnt see it. If someone youve never met starts asking for money, dont fall for it. I wish Id known better, but now Im telling you dont let this happen to 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 2025-01-19 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: CT

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 furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian 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 Experian 's inaction violates federal law 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 procer 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