vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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: FL

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 Transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 compliant against Cash app ( Block, Inc. ) The reason for the compliant, due to inadequate customer service and unfair practices which also violates the Consumer Financial Protection Act ( CFPA ). Cash app also failed to take timely and effective measures to prevent and address fraud on their platform causing my account to be left unprotected. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have made a significant inconvenience and financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capitol One Bank has not deposit my direct deposit as of yesterday. I have early deposit and nothing has been deposit as of today Friday, XX/XX/XXXX at XXXX. I called customer services and the line hang ups on you.

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: Block, Inc.
State: MD

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 ( 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 2025-01-17 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 filling a compliant against cash app/ Block, inc. Due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ) Cash app has failed to take timely and effective measures to prevent and address fraud on their platform which lead my account vulnerable and unprotected. Furthermore their dispute resolution was a fair and deceptive as they didnt apply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulations. These actions had caused significant inconvenience and financial losses, and I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
When disputing a fraudulent account through the Consumer Financial Protection Bureau ( CFPB ), its crucial to present a detailed explanation of the s I am writing to dispute an account that has been fraudulently reported under my name. This account does not belong to me and was opened or used without my authorization. Below is a summary of what happened, my supporting evidence, and applicable legal citations that support my claim for the removal of this fraudulent account from my credit report.

What Happened : The account in question was opened or used without my knowledge or consent.

I have no financial ties to the creditor in question nor any agreement to be held liable for this account.

This fraudulent account has negatively impacted my credit score and caused undue financial stress.

Actions Taken : 1. Fraud Report Filed : I have submitted an identity theft report through the Federal Trade Commission ( FTC ) at identitytheft.gov.

2.Creditor Contact : I contacted the creditor to dispute this account and requested an investigation.

Legal Basis for My Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 The FCRA allows victims of identity theft to block fraudulent information from their credit report.

According to 1681c-2 ( a ), a consumer reporting agency must block the reporting of information resulting from identity theft if : The consumer notifies the agency of the identity theft.

The consumer provides a valid identity theft report.

2. FCRA, 15 U.S.C. 1681i Under 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If the investigation determines the information is inaccurate or unverifiable, the agency must delete it.

3. Case Law Supporting My Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX. XXXX ) : This case reinforces the consumer 's right to dispute and remove inaccurate or fraudulent information from their credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Highlights the responsibility of credit reporting agencies to investigate and remove unverifiable or inaccurate data.

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

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 and 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 2025-01-17 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: MO

Complaint narrative:
I have an experian account. They are currently being sued for a data breach and not going through the dispute process correctly. This is affecting all of my scores through all reporting credit bureaus making it difficult for my score to advance. Things such as incorrect amounts, addresses I am not associated with, improper names, and collections that are also full of incorrect information.

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 2025-01-17 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 cashapp ( Block, Inc. ) Due to inadequate customer service and unfair practices, which violates the ( CFPA ) consumer financial protection act, specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable but also 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 2025-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, my application for Defense of Repayment on this loan from XXXX XXXX XXXX based on fraudulent misrepresentation was confirmed approved. 

Following the discharge, on XX/XX/XXXX, NELNET Student loan servicer sent a letter stating that I would be receiving my payments back in the total of {$5400.00}, I had received several paychecks from NELNET totaling only {$3100.00} and deposited them into my bank. After a few months of waiting on the remainder, I had reached out to NELNET over email asking what the delay in the rest of the payments was about and when I could expect to receive the rest. An agent responded with " I'll get back to you with an investigation '' and three months passed and I had not received a follow-up email. When I went into their email system to check my emails, they had erased the thread.

So following up over telephone, I called NELNET and they said that they " investigated themselves made a mistake '' and that I was only owed {$3100.00}. I asked for copies of all my payments ever made and they never sent anything and won't answer this complaint directly to me. They never sent a letter stating they made an error or stating an alternative amount.

The only document that contains information about my payments is the discharge letter, stating that my refund amount is {$5500.00} meanwhile the second page of the letter says I made {$10000.00}. None of the totals add up correctly, and I know I made $ XXXX in payments since XXXX. 

I had made serious life decisions based off that money that is rightfully owed to me and they have done everything they can to withhold what is rightfully mine, short of having to file a lawsuit. This fraudulent activity by NELNET Federal Student Loan Servicer has caused me significant financial injury and I want my payments returned to me. I need this complaint on record for use in court if they continue to assert they don't owe me my student loans.

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: MI

Complaint narrative:
All of my money was stolen from my cashapp account. Cashapp denied every dispute.

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: Block, Inc.
State: MN

Complaint narrative:
I contacted ( BLOCKED INC THEY NEVER GOT BACK TO ME

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: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act 90 ( 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
GM Financial Account XXXX XXXX XXXXXXXX Dear GM Financial, I hope this letter finds you well. I am writing to formally dispute the charge-off reported on my account # XXXX which is currently listed as a charge-off/ profit loss on my credit report. I would also like a 1099 form to validate this debt.

According ti the law. I believe this charge-off should be removed because you already wrote it off to the IRS as a loss and you can not collect twice on this debt.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete. I kindly request that you provide me with documentation that verifies the validity of this charge-off, including any relevant account statements and correspondence that support your claim. 

Additionally, I would like to draw your attention to New Jerseys Consumer Fraud Act, which protects consumers from unfair or deceptive business practices. If this charge-off is found to be erroneous, I expect it to be corrected promptly.

Please respond to my dispute within 30 days of receiving this letter, as required by law. I appreciate your attention to this matter and look forward to your prompt response.

Thank you for your cooperation. 

Sincerely, XXXX XXXX

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: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of human trafficking, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX Equifax : XXXXXXXX XXXX XXXXXXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting. 
15 U.S.C. 1681 Section 604 ( a ) ( XXXX ) Consumer reporting agencies can not furnish accounts without my explicit consent. 
To support my dispute, I have attached the following documents : A personal statement detailing my XXXX  situation. 
Additional records, where applicable, to verify my identity and substantiate my claim. 
I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. 

Thank you for your prompt attention to this matter.

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: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I was a customer of XXXX and XXXX XXXX they both canceled my accounts and told me I had committed fraud without an explanation as to how. They told me there was nothing they could do and my accounts were closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for those violations.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in 2018, I banked with Bank of America. I get a call to confirm a XXXX transaction for {$1700.00} ( my latest paycheck amount ). I started scrambling and say absolutely no this is not me. A day later, I see the money is gone. I call Bank of America looking to resolve this issue. They couldnt tell me who it went to and told me I should know who it was because it looks as if the transaction was made from my XXXX. I asked them why I would be calling if this was something I approved. I followed up with this for nearly a month and it became an issue of this just happens sometimes. I had reverse phone lookup and found out someone in XXXX  was the recipient of my money. They failed to protect me, and seeming failed to even try. I called everyday for nearly XXXX weeks- and every time would have to re-explain my case because they kept such minimal notes on file of what I had called and previously explained. I ended up switching to XXXX shortly after, and have not had problems since.

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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filled a dispute with experian and they denied to follow up with the investigation. They have violated my rights as a consumer as well as federal laws

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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My Capital One checking account is not accessible since more than XXXX hours and I have incurred loss to me personally and my family in thousands of dollars. I am left with food, water and bills which I pay using my checking account. I have children at home that I am unable to buy food for and I am also being charged penalties for nonpayment of bills. My XXXX XXXX has suffered, and I am now able to gain loans or access to any funds from other sources. I need to be compensated for my loss due to this outage. 

XXXX does not say when this issue will be fixed, they do not have an XXXX for the fix or explain what exactly is causing this issue. I have not received any communication from them explaining or letting me know about this outage which is ongoing as I write this complain. 

Please help me. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation