vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

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 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: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am opening a new case against Chase Bank regarding an ongoing issue that I have been dealing with for the past three months. Chase has refused to deposit funds into my account, citing sanctions as the reason. However, I am not subject to any sanctions, as I am a U.S. citizen and have been living in the United States for 11 years. 

This time, I am filing a formal discrimination case against Chase Bank. I firmly believe that I have been discriminated due to my XX/XX/XXXX, which is why the bank has refused to communicate with me entirely. Despite my repeated efforts to resolve this matter, Chase has completely ignored my inquiries. 

Chase has falsely accused both me and the sending bank, XXXXXX/XX/XXXX in XXXX, of being subject to sanctions. This is categorically untrue, as neither of us are under any such restrictions. 
( Source : https : //home.treasury.gov/news/press-releases/jy0608 ). 

By taking this stance, Chase is unfairly targeting XX/XX/XXXXindividuals living in the U.S., perpetuating a harmful stereotype that we are inherently connected to sanctions and criminal activity. This type of broad, discriminatory assumption unjustly impacts allXX/XX/XXXX people living in the United States, treating us as though we are guilty by association simply because of our heritage. 

Chases actions also contradict the U.S. Treasury and OFAC guidelines, which explicitly state that personal, non-commercial remittances are not subject to sanctions. According to the U.S. Department of Treasury : " Personal, non-commercial remittances are not the target of sanctions imposed by the United States on XXXX. '' " U.S. and foreign financial institutions may continue to process transactions for legitimate activities, such as the facilitation of personal non-commercial remittances, that do not involve blocked persons and are not otherwise prohibited by OFAC. '' ( Source : OFAC FAQs : https : //ofac.treasury.gov/faqs/added ). 

By disregarding these guidelines and failing to act in good faith, Chase has engaged in discriminatory practices that undermine the rights of XXXX Americans. This case involves a significant amount of money, and Chase should be held accountable for its discriminatory actions, its failure to follow established XXXX regulations, and the false information it provided in response to my previous complaint. 

Chase is engaging in fraudulent practices by falsely accusing me of being under sanctions without any legitimate basis or evidence.

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: PA

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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

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: NC

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 XXXX 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: NY

Complaint narrative:
Il am writing to express my concerns regarding Zelles handling of disputes, particularly in the light of recent CFPB lawsuit with this platform. Despite using Zelles numerous times and their failure to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: CA

Complaint narrative:
I am to formally express my concerns 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 user 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XX/XX/scrub> 2023 I was scammed by a company pretending to be a dance company for little kids I reported this to cashapp and never got an investigation done or my money back only thing they told me that I should be careful of getting scammed and who I send the money too and I was not eligible for a refund or anything.. I was scammed and my money was just gone and cashapp did nothing about it

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: Experian Information Solutions Inc.
State: GA

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 in accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed 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 2025-01-18 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: CT

Complaint narrative:
To whom it may concern : I am submitting a complaint against Equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ). 

Thank You, XXXX

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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/year> I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other deposits. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act as it requires access in a timely manner. This situation raises concerns about consumer protection laws and I request your assistance in investigating this situation and ensure my rights are upheld.

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: SC

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 tak 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: IL

Complaint narrative:
Im writing to formally express my concerns regarding Zelles handling of disputes particularly in the light of 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 claim adequately. They informed me recovering lost funds were impossible and tracking these transactions were unfeasible. The CFPB findings indicate that Zelle not only neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite me 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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My paycheck has been pending since yesterday, I tried to contact the bank this morning at XXXX XXXX  and XXXX XXXX  in-was on hold for XXXX mins with no response. i was then told that by XXXX pm the funds might be available. still nothing... 

I wound like a-full investigation. I should and need access to my funds. Its now been XXXX  days. Since i havent received my check..

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: IL

Complaint narrative:
I have the dates starting from back in XXXX at XXXX amount of money was moved without my permission and the company did nothing about it and I would like a refund. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: LA

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes particularly in light of the recent CfPB lawsuit highlighting issues with the platform. Despite using Zelle many times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering my funds or tracking the transactions was impossible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lact of accountability is unacceptable.

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: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the 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 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: Block, Inc.
State: KY

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 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 cause 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Agreed to settlement offer to a total of {$440.00}. The first payment of as least XXXX was due on or by XXXX XX/XX/XXXX. The total amount to be paid on or by XXXX XX/XX/XXXX. When I agreed to the settlement that was recorded when I was speaking with the agent he did not set the payment dates or state certain amounts. He made sure I knew by the XXXX that a payment was needed and the difference was due on or by XXXX XXXX. I scheduled a payment on XXXX XXXX but had to cancel it because my deposit did not happen. I then made a payment on XXXX XXXX in the amount of XXXX. Another {$270.00} payment on XXXX XXXX. The last payment was made on XX/XX/XXXX in the amount of XXXX. The {$440.00} was made between before XX/XX/XXXX and before XXXX XX/XX/XXXX. Now they closed my account but will not honor the settlement arrangement by settling the account for less and updating my credit 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 2025-01-18 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: NC

Complaint narrative:
Agreed to settlement offer to a total of {$440.00}. The first payment of as least XXXX was due on or by XXXX XX/XX/XXXX. The total amount to be paid on or by XXXX XX/XX/XXXX. When I agreed to the settlement that was recorded when I was speaking with the agent he did not set the payment dates or state certain amounts. He made sure I knew by the XXXX that a payment was needed and the difference was due on or by XXXX XXXX. I scheduled a payment on XXXX XXXX but had to cancel it because my deposit did not happen. I then made a payment on XXXX XXXX in the amount of XXXX. Another {$270.00} payment on XXXX XXXX. The last payment was made on XX/XX/XXXX in the amount of XXXX. The {$440.00} was made between before XX/XX/XXXX and before XXXX XX/XX/XXXX. Now they closed my account but will not honor the settlement arrangement by settling the account for less and updating my credit file.

Company response to consumer: Closed with explanation