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: Early Warning Services, LLC
State: NY

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 adequately investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to express concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting serious issues with the platform. Despite using Zelle frequently and reporting discrepancies, both Zelle and my financial institution have failed to investigate my claims adequately. I was told that recovering lost funds was impossible and that tracking transactions was unfeasible.The CFPBs findings suggest that Zelle has neglected consumer protection, leaving users vulnerable to scams and allowing repeat offenders to exploit the system. This lack of accountability and transparency is troubling and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Used ZELLE for business and personal purposes. Unfortunately was a victim to fraud and also safe handling of my funds due to network issues. I lost out on thousands of dollars as collectively because of the network / safe guard and or protection issues in regards to ZELLE.

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: MI

Complaint narrative:
I am filing a complaint against cash app ( Blocked inc ) due to inadequate Customer Service and unfair practice which violates consumers financial protection act ( CFPA ). Specifically cash app fail to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected Furthermore, there dispute resolution was unfair and deceptive as they did not comply with errors resolution requirement under the electronic funds transfer ACT ( EFTA ) and regulation E these actions has 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: NY

Complaint narrative:
I use Zelle most of the time to pay my rent or to send money to my son and sometimes theres different transactions

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 in their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolutions 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 violation.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally address the addition of XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX to my credit report. This address is not associated with me in any capacity. I do not live at, nor have I ever lived at, or conducted any business at this location. Its appearance on my credit report is inaccurate and misleading, and it must be immediately removed along with any associated negative inquiries or debts. 

Details of the Issue : Address Addition : The address XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX has been added to my credit report without my authorization or knowledge. I am uncertain how this address was linked to my profile, but it is clear that this is a case of erroneous or fraudulent reporting. 

Negative Inquiries and Debts : Alongside this address, there appear to be negative inquiries and debts falsely linked to my account. I have no knowledge of these accounts, nor have I authorized any transactions or financial activities related to this address. 

Violations of the Fair Credit Reporting Act ( FCRA ) : Experian, XXXX, and XXXX are required under the FCRA ( 15 U.S.C. 1681 ) to ensure the accuracy of all information contained in credit reports. The addition of this address violates the following FCRA provisions : 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of the information in my credit report. 
1681i ( a ) ( 1 ) : Obligation to conduct a reinvestigation of disputed information and correct inaccuracies promptly.

1681b ( a ) : Prohibition on furnishing a consumer report for unauthorized or impermissible purposes.

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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling and disputes particularly in the light of my recent CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting decrepancies my financial institution and Zelle failed to investigate my claim adequately. They informed me recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but as 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: FL

Complaint narrative:
I filing a complaint against cash app ( Block , Inc ) due to the 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 my fraud on their platform, leaving my account vulnerable and unprotected. They did not comply with error resolution process was unfair and deceptive. Under Electronic Fund Transfer Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I am writing to formally report an instance of identity theft that has affected me from the XXXX data breach. Unfortunately, I discovered that my personal information has been compromised and used without my authorization. This unauthorized activity has caused significant distress and financial harm, and I am seeking assistance in resolving this issue.

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: WI

Complaint narrative:
I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to 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: 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 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, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my acccount transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

Complaint narrative:
Account closed with money in it in the year of 2024

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: TX

Complaint narrative:
I am writing to file a formal complaint against Equifax for failing to comply with the Fair Credit Reporti

ng Act ( FCRA ), specifically violations of the following sections : 15 USC 1681e ( b ) ( Duty to ensure accuracy of credit reports ) 15 USC 1681s-2 ( Duties of information furnishers ) 15 USC 1681i ( 5 ) ( Failure to conduct a timely and reasonable investigation of disputes ) 15 USC 1681c ( c ) ( Failure to properly remove outdated or inaccurate information ) I have sent multiple dispute letters to Equifax regarding inaccurate information on my credit report, but they have not conducted a proper investigation as required under the FCRA. They have failed to respond within the required time frame and have not corrected the errors on my report despite the fact that I have provided evidence supporting my claims. I recently learned about the CFPBs action against Equifax, which found that the company improperly handled credit report disputes and failed to conduct proper investigations, as outlined in the order to pay a {$XXXX} XXXX settlement. I believe that XXXX failure to comply with the FCRA in my case is consistent with the issues raised in the CFPBs investigation. 
Detailed Account of Events : Date ( XXXX ) of dispute submission : [ XXXX, XXXX ] Disputed items on my report : [ Inaccurate account XXXX XXXX XXXX ] Response from Equifax : [ No response ] Evidence submitted : [ proof of my credit report from 3 different credit bureaus reporting different information ] Requested Resolution : I respectfully request that Equifax : 1. Complete a thorough and proper investigation of my dispute, in compliance with the FCRA.

2. Correct any inaccuracies on my credit report.

3. Provide written confirmation of the actions taken to resolve my dispute.

4. Ensure compliance with the FCRA moving forward to prevent further errors.

Thank you for your attention to this matter.

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 filing a complaint against cash app ( XXXX XXXX ) due to an adequate customer service and unfair practices which violate the customer financial protection act quotation CFPA. Cash app fail to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they do not comply with error resolution requirements under the electric fraud transfer act and regulations these actions have caused significant inconvenience and financial loss And I seek appropriate red dress for these violation

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: PA

Complaint narrative:
I want to inform about all the concerns about the transactions that were being made that was no longer me due to CFPB putting in a complaint I would also love to as well. Everything doesnt add up not transaction was my fault and nothing is being resolved. XXXX has failed me in every way possible as they said they can protect my account and was not able to.

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

Complaint narrative:
All monies reported to be returned and/or refunded.

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: AL

Complaint narrative:
I have challenged the validity of the accounts with XXXX XXXX XXXX numerous of times and Transunion has claimed that the account was verified over and over again. I do not understand how it was verified with Transunion, but XXXX deleted the XXXX XXXX XXXX account immediately after I disputed it over a year ago, I've requested the contract from XXXX XXXX XXXX by mail and they didn't provide it, and Transunion has not provided me with their method of verification which by 15 U.S. Code 1681i states that they have to provide me the consumer with all relevant information regarding their investigation. This is inaccurate information, and Transunion is continuing to allow fraudulent accounts on my credit profile which is unfair and unjust. 

They are also reporting another account XXXX XXXX XXXX that is inaccurate. I have called XXXX XXXX XXXX, requested the purchase agreement plus the contract with my signature stating that I'm in agreement with them, and they stated that they could not provide it. Therefore, this collection is fraudulent and should not be reporting on my credit profile, but Transunion is allowing it to be reported. They have still not provided me with their method of verification to prove as to why they are reporting inaccurate things on my credit profile, which leads me to believe they aren't conducting proper investigations.

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: KY

Complaint narrative:
I am filing a complaint against Ca

sh 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: Early Warning Services, LLC
State: MA

Complaint narrative:
I am currently here writing this message to formally express my deep concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is absolutely unacceptable and raises serious concerns about consumers safety. They have truly failed me and told me it was nothing they could do about it.

Company response to consumer: Closed with explanation