vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. ( 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 redres : 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: PA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a secured installment loan opened at XXXX XXXX XXXX under the account number XXXX, a secured installment loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$930.00} that appears related to the aforementioned account opened at XXXX XXXX XXXX. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts and collections. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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 — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the XXXX Savings account as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

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: LA

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 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 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: NAVY FEDERAL CREDIT UNION
State: TN

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 recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I'm requesting 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: 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: TN

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report despite my submissions Equifax consistently responds with in 24 hours 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

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: NV

Complaint narrative:
I am writing you to formally express my concerns regarding sales, handling the dispute, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle numerous times reporting discrepancies my financial institution in Zelle failed to instigate my claims adequately. They informed me that recovering loss funds was impossible and tracking these transactions was and feasible, the CFPB finding indicate that Zelle has not neglected to protect consumers, but has also allow repeat offenders to exploit the system leaving users vulnerable to scams. This is 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: CA

Complaint narrative:
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: CA

Complaint narrative:
I am feeling 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. There actions have caused significant inconvenience and financial loss, and I seek appropriate redress for there 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable rein investigation 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, a legend, systematic issues such as filling to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to 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 XXXX inaction violate 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 cations 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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I checked my credit report with Experian and saw an inquiry from XXXX XXXX XXXX, even though I haven't applied for any credit with them recently. The inquiry shows that it was put in on XX/XX/year>.

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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally expressed my concerns regarding Zelle handling of disputes in light of a recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous of times and reporting my financial situation and Zelle failed to investigate. My claims adequately.

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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Navy Federal Credit Union Address ] XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off Reporting as Debt # XXXX Dear Navy Federal Credit Union I am writing to formally dispute the reporting of a charge-off ' associated with the above- referenced debt on my consumer report. Upon reviewing the account history and publicly available records, I believe there to be lack of full disclosure via fraudulent concealment which may have aided in an unjust enrichment. 
This transfer of ownership to the trust and selling of the securities raises several concerns regarding the accuracy and legitimacy of the reported charge-off '. 
Additionally, I have identified multiple data points associated with this debt that are being reported inaccurately across various credit bureaus. These inaccuracies further undermine the legitimacy of the charge-off and contribute to finance hinderance in my life Specifically, I am disputing the following : 1. Accuracy of Charge-Off Reporting : If my promissory note was securitized this means off - balance - sheet book keeping occurred which may have derecognized Navy Federal Credit Union liabilities , removed them from their books and transferred them to Navy Federal Credit Union who then sold them for profit. So, writing it off as a bad debt/lost and reporting it as a charge off is false reporting, fraud, and embezzlement.Validation of Debt : I request detailed, debt-level documentation proving Navy Federal Credit Union retained the authority to report the charge-off after securitization. This should include a solid chain of authority demonstrating the assignment or reassignment of the debt back to Navy Federal Credit Union evidence of the debts transfer, the balance at the time of transfer, and any agreements validating Navy Federal Credit Union continued reporting authority for this debt. 
Potential Double Recovery/Unjust enrichment : If the debt was securitized and sold, Navy Federal Credit Union may have already been compensated for this debt through the securitization process. In such a case, reporting the debt as a charge-off is false and mislead. I request that you investigate this matter thoroughly and provide a written response within 14 Days from receipt of this notice. If you can not validate the legitimacy of this charge-off reporting, I demand that you remove this entry from my credit reports with all major credit reporting agencies ( XXXX, XXXX, and XXXX. Failure to address this dispute accurately and promptly will result in additional action in pursuing remedy. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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: 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction 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 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: 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: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I initiated multiple disputes regarding inaccuracies and fraudulent accounts listed on my credit report. Despite some accounts being deleted during initial investigations, they were later reinserted without proper notification, as required by the Fair Credit Reporting Act ( FCRA ). Below is a summary of actions taken and concerns raised : Disputed Accounts and Actions Taken XXXX XXXX and Co Disputed as fraudulent, status remains unresolved. 
XXXXXXXX XXXX ( Account : XXXX ) Deleted in initial reports but later reinserted without notification. 
XXXX XXXX XXXX ( Account : XXXX ) Repeatedly updated despite previous deletion. 
Bank XXXX XXXX ( Account : XXXX ) Continually marked as " updated '' without clear explanation or proof of verification. 
Key Timeline XX/XX/XXXX : Initial disputes ( Report # XXXX ) ; XXXXXXXX XXXX and XXXX XXXX XXXX accounts deleted. 
XX/XX/XXXX- XX/XX/XXXX : Accounts were reinserted and updated across various reports without proper notification. 
XX/XX/XXXX : Verified and updated information for accounts previously disputed and deleted. 
XX/XX/XXXX : Final dispute resulted in no resolution for certain accounts, with continued updates and reinsertions. 
Actions Taken by Me Filed disputes via XXXX online platform and by mail. 
Submitted comprehensive evidence and documentation, including affidavits and identity verification materials. 
Contacted Experian multiple times for detailed verification documents and proof of compliance with FCRA requirements. 
Notified Experian about violations, including failure to provide timely responses and reinsertion notifications. 
Request for Documentation I requested, but have not received : Proof of verification processes for each disputed account. 
Detailed records of communication with furnishers or third parties. 
Logs of reinsertion notifications for deleted accounts. 
Adherence to statutory timelines for dispute resolution under FCRA XXXX ( a ). 
Harm Caused These inaccuracies and procedural violations have caused : Financial harm due to denied credit opportunities. 
XXXX XXXX 
Hindrances in leveraging credit for real estate investments and refinancing. 
XXXX XXXX XXXX deletion of unverifiable or inaccurate information. 
Written confirmation of corrections made. 
Assurance of compliance with FCRA guidelines to prevent future reinsertion without notification. 
Full disclosure of verification and reinvestigation processes.

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: Early Warning Services, LLC
State: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of dispute, particularly in light of the recent CFPB lawsuits, highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution avail failed to investigate my claims adequately. They informed me that Recovering loss funds was impossible, and that tracking these transactions was unfeasible the CFPBs findings indicate that they has not only neglected to protect consumers, but has also allow repeated offenders to exploit the system, leaving users, vulnerable to scams this lack of accountability and transparency is unacceptable and raise serious concerns about consumer safeties

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request the removal of inaccurate and outdated personal information from my credit report. Specifically, I would like the following addresses to be corrected or removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX The correct and current address is : XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with non-monetary relief