vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX Date XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Account : XXXX  XXXX XXXX Account number XXXX. 
Recent balance {$33000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Under 15 U.S.C. 1681i To Whom It May Concern : I am writing to formally dispute the accuracy of certain information on my credit report, as provided under 15 U.S.C. 1681i ( a ) ( 1 ). I have reviewed my credit report and found the following information to be inaccurate, incomplete, or unverifiable : [ Provide specific details about the disputed account or item, such as the account number, creditor name, and reason for dispute ( e.g., incorrect balance, account not mine, etc. ) ] Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of the disputed item within 30 days of receiving this notice. I request that you provide me with the results of your reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including : 1 The basis for your determination.

2 A copy of the updated credit report reflecting any changes.

If the disputed information is found to be inaccurate or can not be verified, I request that it be promptly deleted or corrected under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). Additionally, please notify any third parties that received my credit report within the last six months ( or XXXX years in the case of employment purposes ) of the correction or deletion, as required by law. 
To assist in your investigation, I have enclosed the following documents : [ XXXX supporting documents, such as account statements, letters from creditors, police reports, etc. ] Please acknowledge receipt of this dispute within XXXX business days as required under the law, and confirm that the reinvestigation will begin promptly. 
Thank you for your attention to this matter. I look forward to your response and resolution of this dispute. 
Sincerely, 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 service problem — 
Company: Block, Inc.
State: FL

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX ( account # XXXX ) has violated my rights. 

According to the Fair Credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

After further research, according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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: 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 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 those 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: 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: MD

Complaint narrative:
THERE ARE STILL ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE INACCURATE and incomplete. This is a violation of the FCRA. THEY ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY, STATUS DATES, AND INACCURATE PAYMENT HISTORY BETWEEN all 3 CRA 's in each of the accounts listed. DELETE : ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX, XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- THESE ACCOUNTS ARE INACCURATE, INCOMPLETE AND UNVERIFIED. THEY ARE REPORTING DIFFERENT DATES OF LAST ACTIVITY/STATUS DATES AND INACCURATE DATES IN THE PAYMENT HISTORY. THIS A VIOLATION OF THE FCRA AND THESE ACCOUNTS MUST BE UPDATE TO PAID AS AGREED/PAID ON TIME, NEVER LATE IN THE ENTIRE PAYMENT HISTORY FOR EVERY MONTH. UPDATE TO PAID AS AGREED, NEVER LATE, PAID ON TIME : ( 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 — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am paid weekly, I was informed that there was a third party issue, and was given no specific time frame of which would indicate my funds accessibility. I called for a rep, after a grueling XXXX hours on hold, I was told that the issue hasn't been resolved and they have no time frame for when they'd be able to allow accessibility to my direct deposit.

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: FL

Complaint narrative:
I'm filing a complaint against cash app ( Block , INC ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, there 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 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: NY

Complaint narrative:
I am filling a complaint against cash app ( block, ink. ) due to inadequate customer service and under practice which violates 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 a address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces 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 actions, Thank you.

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: NJ

Complaint narrative:
Zelle transactions are typically immediate and irreversible, which adds to my concern as I rely on this service for its convenience and security. I understand that Zelle provides a quick way to send and receive money, but it is essential to have support in cases of disputes or errors. thank you for understanding

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: OH

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

Complaint narrative:
I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of the 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 covering lost funds was impossible, and that tracing these transactions was unfeasible. The CFPBs findings indicate that Zelle 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 concern about consumer safety.

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: GA

Complaint narrative:
I am filing a complain 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, 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: IL

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 Act ( EFTA ) and Regulation E. These actions have caused significant in convenience 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: MD

Complaint narrative:
Someone went through cashapp to take out a {$5000.00} loan. They got approved for the loan, but needed to get and put it in cashapp to solve the problem. This was attempted last year around XXXX or XXXX time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase closed my account XX/XX/year> and refused to say why, this put me in a financial bind as that was where my money was housed. They waited months to send me the balance from the account at the time of closing. I do not understand why my account was closed, and do not understand why they refuse to provide a reason. All the agents were trained to say I dont have to tell you why, what kind of response is that? When I apply for a new account in which they continuously sending me offers for new customers with the {$300.00} offer every month, yet when I try to take advantage of the marketing offers that are being sent to my email frequently and consistently, I am denied.

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: NC

Complaint narrative:
I am writing 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 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 scam. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 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: 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: OR

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing a complaint regarding multiple overdraft fees applied to my account. Despite having sufficient funds at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. 
This situation mirrors the recent findings by the CFPB regarding Navy Federal 's practices, where overdraft fees were assessed on transactions that settled with insufficient balances, even though funds were available when the transactions were initiated. 
I believe these practices are unfair and respectfully request an investigation into my account and the specific transactions in question

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my attempts to resolve this directly with the reporting agency, it remains unsolved. I request immidiate investigation and removal of these items, as they are incorrect and do not reflect my true credit history.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I XXXX XXXX had my Zelle account stolen along with money and fraudulent activity done on my accounts

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: FL

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. 
I want the CFPB to publish this

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