vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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 resolutions requirements under the Electronic Fund Transfer Act. ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss and I seek redress for these violations.

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

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This journey started over a year ago with TransUnion reporting erroneous information such as account information, and absolutely nothing was happening as far as removing the account information. I have even mailed in police reports regarding the accounts consecutively from XX/XX/XXXX through XX/XX/XXXX, only for TransUnion to constantly say that the accounts were verified and validated. I am filing this complaint against TransUnion due to the issues with the data breach at XXXX and lawsuit against XXXX due to the recent misconduct on their part. 

I am asking that they remove the listed accounts that are enclosed that I disputed and my personal information on my report. The CFPB has recently filed a lawsuit against XXXX, alleging issues such failing to forward Consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes which fall in line with my complaint with all three credit bureaus and the data breach. This has been admitted by the bureaus that they have not removed the listed accounts or personal information, also under the 605 ( b ) FCRA the bureaus had only 4 days to correct these errors. These are the accounts previously disputed with TransUnion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

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 the errors I have sent in.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Several collections accounts on my credit report that do not belong to me appearing after security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: OK

Complaint narrative:
Experian Re : Request for Information on Debt Account XXXX XXXX XXXXXXXX Dear Experian, I am writing to request the following information regarding the debt account referenced above. In order to properly assess my situation and ensure accuracy in my records, I kindly ask that you provide the following details related to this debt : The date of my last payment on this account. 
The date the account was charged off. 
The date the account was first reported as delinquent. 
Please provide this information in writing at your earliest convenience. I am not disputing the debt at this time, but I would appreciate your prompt attention to this matter. 

Thank you for your cooperation. Should you require any further information, please do not hesitate to contact me. A charge off can not be collected as it was transferred to a trustee and can not be transferred back. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 any 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Block, Inc.
State: IL

Complaint narrative:
Money will be missing I will reach out to cash app it will say wait cause it pending

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I bought a {$100.00} prepaid American Express gift card through my daughters XXXX  fundraiser to add to my XXXX XXXX. Upon trying to add, I can not add it. I shouldnt have done it because the same thing happened last time a couple of days ago. The customer service is atrocious and I can never get an answer or anything resolved! Customer service needs to be trained on this as well on their manners. Now Im out {$100.00} for a card that is supposed to be easily added to XXXX XXXX Its an ecard so no other way to use it! I have never used experienced this with any other brand of prepaid card. Dont sell these cards if youre unsure if theyll work. I would like an immediate refund, or be able to add this to my XXXX XXXX asap. This is such an issue upon reading online reviews. Why sell cards and essentially scam people out of money if theres even a chance they wont work?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing to file a complaint against navy federal credit union regarding multiple over draft fees I 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I want 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 Im 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Bureaus are reporting incorrect information on my report affecting my credit score tremendously. They are reporting that I have an account with XXXX XXXX XXXX XXXX, however I do not. It is being reported that I owe XXXX for this account. One is being reported as a joint account the others are reporting is my individual account. I have told them I have never lived in XXXX. I have disputed this with the unions, I have asked for proof and no information or proof was provided. I have provided proof of residence and they did not make the correct investigation. Status 's are also being incorrectly reported Another union has reported delinquency on a repossession for XXXX and the others have not, it should not be a delinquency as it has been paid off by the bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Opened : 2016 Amount XXXX Reporting a eviction in my credit report that I gave no acknowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AR

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 the lagging posting of charges and credits. This issue aligns with the with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially 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 2025-01-20 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: GA

Complaint narrative:
I had issues with Zelle regarding disputes before they gave me a run around & with the CFPB lawsuit I took this as a opportunity to fill out because Zelle didnt properly look into issue nor did XXXX which caused me to have lost funds I couldnt re gain which was horrible! which allows this issue to constantly happen and people get away with it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
According to law FCRA Section 605 B its illegal to report information on my credit without my permission. And Law 15 USC 1692c ( c ) clearly states If a consumer notifies a debt collector the consumer refuses to pay a debt collector must cease all communication.. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Data breach of personal information between XX/XX/XXXX through XX/XX/XXXX that compromised credit information. In addition, I have requested all incorrect information that is not current due to being outdated be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Wanted to speech with a representative but none was available.It was an a I representative and could not get to what I needed to talk about direct deposit being in my account

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

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 address and prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despute 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ID

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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wasn't able to access my account, and maybe had XXXXXXXX XXXX XXXXXXXX overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: NC

Complaint narrative:
I have been battling by paper and mail to dispute items on my credit report with Experian. There information on my report that is incorrect and i have provided all evidence with disputing and they keep responding updated. I do believe i am a victim of them not properly investigating my disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously disputed the inaccurate reporting of a collection account by XXXX XXXX XXXX XXXX on my Experian credit report. Specifically, the account reflects a XXXX payment history, which is misleading and violates the Fair Credit Reporting Act ( FCRA ) since collection accounts are not active accounts with monthly payment histories. 

Despite my dispute, Experian failed to conduct a reasonable investigation or correct the inaccuracies. They did not provide any evidence to substantiate the reporting, nor did they address my concerns about the violation of FCRAs requirement for accurate and non-misleading

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> I requested to freeze my credit information with XXXX and XXXX successfully. When I attempted to do so with Experian, they said they could not verify my identity and I found, they show a wrong year of birth for me, an email address for verification that is not mine and has never been mine and a telephone number for verification that is not mine and has never been mine. 

I have attempted numerous times to contact Experian but they continue to disconnect the call because they can't verify me with the fraudulent details. 

I contacted the FTC and submitted a report XXXX XXXXXXXX and will be sending the report via XXXX mail to Experian. But, that does not excuse their lack of attention to something as serious as having fraudulent information that in the time, the receive the report and act upon it, I could have many accounts opened in my name. 

I recently received a report number from their XXXX division which I did not file. I am also very concerned how someone could supply/change my contact info so easily without my knowledge or consent. This could happen and is probably happening to many people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SD

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