vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a notification from XXXX that my account was temporarily restricted and that additional information was needed to verify my identity. This information was provided that same day. Despite multiple follow-up requests ffrom me to XXXX asking XXXX for a status update, no update was provided until XX/XX/XXXX, when XXXX replied and said that I would receive a call. I never received this call, and began asking for status updates again. Still no resolution or update until I received an email on XX/XX/XXXX stating that my account was being closed immediately. This account has had a balance of {$5600.00} that I have been unable to withdraw this entire time since XX/XX/XXXX, and I am still unable to withdraw these funds.

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing this statement to formally address my concerns regarding XXXX handling of dispute, in light of CFPB lawsuit highlighting significant issues with this use of platform. Despite while using Zelle numerous of times and reporting discrepancies. My financial institution and Zelle both have failed to investigate my claims adequately. They have informed me that recovering lost funds are impossible to track making this unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
Fraudulent transactions cant contact customer service and they dont have a phone number to speak with customer service.

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: Early Warning Services, LLC
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
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: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 XXXX 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 XXXX  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 2025-01-19 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: AZ

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling disputes, particularly in light of the recent CFPB lawsuit. Despite using Zelle numerous times And reporting discrepancies, my financial Institute and Zelle failed to investigate my claims adequately. They told me once I sent the money that I would never get it back. 
The CFPBs has shown that Zelle neglected to protect the consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This 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: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
XXXX purported leases were actually credit, and that Acima and XXXX violated the Consumer Financial Protection Acts ( XXXX ) prohibition against unfair, deceptive, and abusive acts and practices by : misleading consumers regarding the nature and terms of XXXX agreements, including their exorbitant cost ; materially interfering with consumers ability to understand the terms and conditions of those agreements ; effectively locking consumers into these high-cost financing arrangements by making it difficult for consumers to terminate them and creating unfair barriers to returns ; misrepresenting consumers ability to return goods and the means by which returns could be accomplished ; misrepresenting to consumers that their contracts required the maintenance of autopay ; and providing deceptive advertisements and training to merchants, that created the likelihood that merchants would misrepresent the terms of XXXX agreements, mislead consumers about the ease of returns, and create confusion about whether XXXX product was credit or a lease.

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: Early Warning Services, LLC
State: FL

Complaint narrative:
I wanted to express my issues and concerns using XXXX handling with disputes particularly on the light of the recent CFPB lawsuit highlighting significant issues with the platform. I have been 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 it has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: MS

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX 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 2025-01-19 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: CT

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
CEDAR FINANCIAL XXXX CLAIMED I OWED XXXX. I CALLED XXXX XXXX  TIMES AND THEY SAY I HAVE NO DEBT WITH THEM. 
NOW XXXX COLLECTIONS HAVE PUT IT ON MY CREDIT REPORT? 
I HAVE ALWAYS HAD OVER XXXX XXXX XXXX NOW IT SHOWS AS OUTSTANDING DEBT? THEY CLAIM IT IS FROM 3 YEARS AGO THIS DEBT? XXXX CLAIMS IT'S FALSE. IN FACT I HAD A CREDIT ON MY CARD WITH XXXX! 
THE XXXX MENS NAME IS XXXX XXXX AND XXXX XXXX. I HAVE SPENT HOURS TALKING IN CIRCLES WITH THEM AND THEY NEVER PROVIDE PROOF OF THIS DEBT. 
I WAS NOT ABOUT TO PAY XXXX WHEN XXXX SAYS I HAVE NO DEBT. I HAVE NEVER HAD A LATE PAYMENT IN MY LIFE AND I AM XXXX. 
THEY ARE XXXX AND I DID NOT WANT TO SHARE MY ACCOUNTS TO PAY THIS FAKE DEBT AND THEY XXXX ME! 
I COULD EASILY PAY IT BUT THERE ARE SO MANY SCAM ARTISTS TODAY. 
THE LAST TIME THEY CONTACTED ME WAS XX/XX/XXXX. 
THEY HAD CONTACTED VIA EMAIL A PERSON NAMED XXXX? THEY WERE TO GIVE ME PROOF OF THE DEBIT. NEVER HEARD ANYTHING OR GOT ANY PROOF AND THEN THEY ATTACKED MY CREDIT THROUGH THE CREDIT BUREAU? THIS IS CRAZY! PLEASE HELP! 
MY FORMER NAME WAS XXXX XXXX I REMARRIED XXXX  YEARS AGO! 

HERE ARE XXXX EMAILS XXXX AND XXXX REPORTED XX/XX/XXXX STATUS DATE XX/XX/XXXX XXXX BALACE CONTACT PHONE XXXX CREDITOR ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

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: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Previously, I paid before on XXXX the weekend for a payment processed on the XXXX as a XXXX Pay. I am in the process of trying to stay ahead of recovering from a financial situation. I have been doing this fine up until this month. I have XXXX left to go on home purchased back in XXXX. Less than XXXX  years. 

On XX/XX/XXXX I tried to do XXXX pay but the system was down ; both the pay portal and the phone system. On XX/XX/XXXX, using pay phone since pay portal was blocked, I tried to do XXXX pay but was prompted to do XXXX pay which I could not pay on XX/XX/XXXX but could pay on XX/XX/XXXX. I called customer service to do XXXX pay to post on XX/XX/XXXX XXXX but customer service said they can not schedule the payment, the system won't allow it. 

I asked if any department could schedule the payment I was told NO but I would be able to call back on XX/XX/XXXX to pay and it will hit the account on XX/XX/XXXX. 

I am concerned that the amount will increase, and I would then have to wait until after XXXX, affecting other obligations. If I could schedule the payment, I would not have any issues paying my other obligations but I have to hold because I am not sure due to past issues with PHH.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax 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 o unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, 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 experiences, where experia 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 Equifax 's inaction violates federal law and my rights as a consumer.

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: IL

Complaint narrative:
I tried contacting both Equifax and XXXX with no luck. As you will see in the attached documents, both bureaus are reporting inaccurate information regarding my payment history with my XXXX XXXX account. Some days they report, others they do not as you will see with XXXX, XXXX and XX/XX/year> reporting. All of which I was in good standing. 

. Inaccurate Reporting ( FCRA Section 605 ) The FCRA mandates that consumer credit reports must be accurate and up-to-date

Company response to consumer: Closed with non-monetary relief
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: AZ

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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees that were applied to my account, despite having sufficient funds at the time the transactions were authorized. These fees were incurred due to delayed posting of charges and credits, which resulted in my account being unfairly charged for overdrafts. 

This situation seems to align with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which highlighted similar issues at Navy Federal Credit Union, where transactions were settled with insufficient balances, even though there were adequate funds initially available. I find these practices to be both deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: LA

Complaint narrative:
I aim writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filling 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 in 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