vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: AK

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 2025-01-17 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: MD

Complaint narrative:
Id like 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 finding indicates that Zelle has not only neglected to protect consumers but has 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 2025-01-17 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: MS

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Crddit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the trans action was authorized, I was charged fees due to lagged charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions were 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 2025-01-17 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: CA

Complaint narrative:
Experian has failed 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 furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has either 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 Experians inaction violates 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 2025-01-17 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: VA

Complaint narrative:
Send certified mail to XXXX, equifax and XXXX on XX/XX/year> I havent received anything email or via mail. My reports dont even reflect that everything is in dispute, that Ive disputed.

Equifax committed unfair acts or practices in violation of the Consumer Financial Protection Act My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I called customer service number, on XX/XX/XXXX, to dispute transactions found on my personal checking account. The charges were posted for XX/XX/XXXX ( see enclosed copies of letter received from Chase listing the transactions ). 

During our review of all the transactions listed it was noted there was another fraudulent charge posted on XX/XX/XXXX, which had been partially reversed on XX/XX/XXXX. I advised XXXX that was not my charge also. 

I requested that the process be initiated to dispute the XX/XX/XXXX, charges and XXXX suggested that she would include the XX/XX/XXXX, charges too since they were not mine. Little did I know that with those charges included it would negatively affect my disputes on XX/XX/XXXX. 

At no time during the conversation was I advised of this XXXXhase policy that I, as a Chase customer, can not dispute multiple charges outside of a 60-day period. 

Honestly, I thought my account had fraud protection and did not note that May fraudulent charge until I was on the call with XXXX. During a follow-up call with XXXX XXXX ( XXXX XXXX on XX/XX/XXXX ) I was pretty told it was company policy, and I could try filing a formal complaint. 

I cant tell you how devastating this experience is. To have multiple transactions posted on my account from California stores and I live in Maryland. I have never been to California so why did virtual wallet transactions be allowed to post and no red flags go off? 

I am also devastated because I am retired XXXX XXXX who can not afford the loss of {$660.00} During a follow up call on XX/XX/XXXX I was told of the XXXX policy and there was nothing I could do.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :

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: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and preventive measures to prevent and address fraud on their platform, leaving my account unprotected and vulnerable. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ( 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: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
A debt collector contacted me regarding a debt I owed. They offered for me to pay a fraction of that debt which ended up being {$2500.00} to which I agreed on their recorded line. I agreed to only pay {$2500.00}. They are trying to charge me for {$5500.00}.

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: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
Previously attempted to dispute Zelle transfers from my personal account with no resolution from the bank. 
A zelle withdrawal for XXXX and XXXX.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have many cases going on with Equifax. 

I do not have a victim determination letter but I have a police report stating that I am a victim of XXXX XXXX, I was robbed, a victim of Identity theft, and a victim of XXXX XXXX. I am requesting that Equifax block any fraudulent and/or suppress items on my credit file due to XXXX XXXX, fraud under the XXXX XXXX law and also under the XXXX XXXX XXXX. The accounts that I have not gave anyone permission to open under my name and not mine are XXXX XXXX XXXX XXXX and XXXX XXXX. I am really a victim of XXXX XXXX as well. I am a victim of all of those things. I have not been able to use XXXX for over 6 years. The agent has told me they will send it to technical support and its never fixed. I reset my passcode and then the system says I do not own a account then when I try to register for a account, Equifax tell me I can not because I own account already. I have all of this information saved on XXXX XXXX and XXXX XXXX for 6 years plus. If this is not resolved immediately. I am going to have my attorney to sue Equifax and the agents of Equifax personally for discriminating against me and not honoring my disputes, block requests, etc because of my race, background, and things I have been through. I need to be able to navigate moving from being robbed from the people that human trafficked me years ago finding me and sending people after me. All of this will be brought up if I have to sue Equifax for damages ( punitive ). This is unfair to punish me and to be honest this millions of dollars of damages. If I get killed because I can not relocate and move. Both of my children and my spouse will separately sue Equifax for damages, future, current and past punitive. They have everything documented including all agents I have associated with and their employee XXXX. Yesterday I allowed the Federal Trade Commission intake person to listen at them say that the first FTC report was invalid. I had to get a new FTC report and change the report number which have been updated. Equifax is discriminating against me because I have taken them to court before and it was small claims back then. This time it is going to XXXX court because of the amount of damages if they do not honor my request. I will also report their attorneys to the XXXX XXXX XXXX, the business to XXXX XXXX XXXX XXXX  and to the Attorney General. They must take effect on people that are victims. I could of got killed while getting robbed and its all Equifax liabiltiy for neglecting me a citizen.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have many cases going on with Equifax. 

I do not have a victim determination letter but I have a police report stating that I am a victim of XXXX XXXX, I was robbed, a victim of Identity theft, and a victim of XXXX XXXXXXXX. I am requesting that Equifax block any fraudulent and/or suppress items on my credit file due to XXXX XXXX fraud under the XXXX XXXX law and also under the XXXX XXXX XXXX. The accounts that I have not gave anyone permission to open under my name and not mine are XXXX XXXX XXXX XXXX and XXXX XXXX. I am really a victim of XXXX  XXXX  as well. I am a victim of all of those things. I have not been able to use XXXX for over 6 years. The agent has told me they will send it to technical support and its never fixed. I reset my passcode and then the system says I do not own a account then when I try to register for a account, Equifax tell me I can not because I own account already. I have all of this information saved on XXXX XXXX and XXXX XXXX for 6 years plus. If this is not resolved immediately. I am going to have my attorney to sue Equifax and the agents of Equifax personally for discriminating against me and not honoring my disputes, block requests, etc because of my race, background, and things I have been through. I need to be able to navigate moving from being robbed from the people that XXXX XXXX  me years ago finding me and sending people after me. All of this will be brought up if I have to sue Equifax for damages ( punitive ). This is unfair to punish me and to be honest this millions of dollars of damages. If I get killed because I can not relocate and move. Both of my children and my spouse will separately sue Equifax for damages, future, current and past punitive. They have everything documented including all agents I have associated with and their employee XXXX. Yesterday I allowed the Federal Trade Commission intake person to listen at them say that the first FTC report was invalid. I had to get a new FTC report and change the report number which have been updated. Equifax is discriminating against me because I have taken them to court before and it was small claims back then. This time it is going to Federal court because of the amount of damages if they do not honor my request. I will also report their attorneys to the XXXX XXXX XXXX, the business to the XXXX XXXX XXXX  and to the Attorney General. They must take effect on people that are victims. I could of got killed while getting robbed and its all Equifax liabiltiy for neglecting me a citizen.

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: AL

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 2025-01-17 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:
Iam filling a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically cash app failed to take timely and effective to prevent an address fraud on their platform leaving my account vulnerable and not protected and furthermore, the dispute process was unfair and deceptive as they did not comply with era resolution require the electronic fraud act this action has called 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: MO

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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience as well as 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Today is my payday and I have yet to receive my direct deposit ( paycheck ) as many other people. I have been patient but to not see anything in my account is now frustrating when I have bills, necessities, and other matters to take care of by which I need my money. Capitol One sent out an email late last night XXXX XXXX when they knew of this technical issue days prior and after the many complaints on social media and endless calls ( I called Thursday XX/XX/year> ) to inquire about my direct deposit being that I also had a bill due that day. Rep informed me of issue and that they were working on it and if its not fixed on XX/XX/year> then she doesnt know what their plan is. My concern is that it wont be fixed and Monday is a holiday ( XXXX ). I work very hard for my money. Can this be look into ASAP.

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 filling a complainant 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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: GA

Complaint narrative:
I have two big issues with Ed Financial. 
1 ) the larger issue is that I have been working for a government approved agency since XXXX. During the COVID pause on federal student loans, my counts have not been updated. I have requested that the forbearance that was given during this time should be updated and it has not. I have been reassured that the counts will be updated. I have seen other people have their counts reflect the pause and I have not. There are four years worth that should be updated. 
2 ) I had my payments restart in XX/XX/XXXX. I made 8 payments before the current court injunction lead to a forebearnace where counts will not be given. I have 8 receipts of payments deducted from my account, but Ed Financial only shows 3 payments in their system of the last 24 months. This is ridiculous that actual money was deducted and they havent counted these toward my count.

Company response to consumer: Closed with explanation