vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Failure to Address Fraud : Cash App failed to take timely and effective measures to prevent and address fraudulent activity on their platform. Despite notifying them of suspicious activity on my account, they did not provide adequate assistance or implement sufficient security measures to protect my funds. This negligence left my account vulnerable and resulted in financial loss. Unfair and Deceptive Dispute Resolution Process : When I reported the fraudulent transactions, Cash App 's dispute resolution process was neither fair nor transparent. Specifically : They failed to comply with the error resolution requirements outlined in EFTA and Regulation E, which mandate a thorough investigation of reported unauthorized transactions. They provided vague or inadequate responses to my inquiries, leaving me without clear information about the status or outcome of my dispute. Their process created unnecessary delays, causing additional financial and emotional distress.

Significant Financial and Emotional Impact : As a result of Cash App 's failure to comply with federal laws and provide adequate customer support, I have suffered financial losses, significant inconvenience, and emotional distress.

Relief Sought : I request that Cash App : Fully reimburse the financial losses caused by their failure to address fraud and comply with error resolution requirements.

Provide compensation for the inconvenience, time, and emotional distress caused by their inadequate handling of my case.

Implement stronger fraud prevention measures and ensure compliance with CFPA, EFTA, and Regulation E to protect customers from similar issues in the future.

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: NY

Complaint narrative:
XXXX XXXX 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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received an unexpected charge of {$21.00} in XX/XX/XXXX on my Citibank Credit Card that I do not normally use for purchases. 

I did not notice the charge on my XXXX statement and received a late notice on XX/XX/XXXX. The late notice included a late fee of {$21.00} ( equal to the balance ) plus {$0.00} interest for a total new balance of {$43.00} I called Citibank and requested they remove or lower the late fee and I would pay Immediately. They refused to lower the late fee and notified them I would be filing a complaint with the CFPB.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Money was sent from my Zelle account unauthorized but I wasn't able to get a refund. This happened a few times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: CA

Complaint narrative:
Subject : Refusal to Pay Alleged Debt and Request for Deletion from Equifax Credit Report To Whom It May Concern, I am writing in response to your attempts to collect a debt allegedly owed by me. After reviewing the matter, I have determined that I do not owe this debt, and I am refusing to pay it.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, credit reporting agencies and data furnishers must ensure that any information reported is accurate, complete, and verifiable.

Verification of Debt : As required by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, you are obligated to provide validation of this debt, including the original agreement proving my obligation to pay. 
XXXX. XXXX XXXX XXXX Failure to Verify Accuracy : The debt has not been substantiated, rendering its reporting on my credit file inaccurate and a violation of the FCRA.

Harmful and Misleading Information : The continued reporting of this alleged debt without adequate validation is damaging and misleading to my creditworthiness.

Since you can not prove the legitimacy of this debt or my obligation to pay, I demand the following actions : Immediate deletion of the debt from my Equifax credit report.

Written confirmation that the debt has been removed from all records and credit reporting.

Cessation of all communication regarding this alleged debt.

If you fail to comply, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office for violations of the FCRA and FDCPA.

Please respond in writing within 30 days to confirm the requested actions have been taken. You may send correspondence to the address listed above.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: VA

Complaint narrative:
I am initiating my complaint against Navy Federal Credit Union for the questionable overdraft fees associated to my account, since my 8 years of membership. The charges associated to my account are always lagging when it comes to the available balance. I have had money moved from my savings and even money market accounts to cover balances in my checking. I didnt even know you could do that. Then Im charged an atrocious overdraft fee at times when my other accounts arent even touched. I called to gain understanding and was told about OOPS but it still doesnt justify how the accounting is adding up. I have sent funds from other accounts to cover potential overdrafts. And due to some nefarious lagging of accounting, my funds will post AFTER the overdraft fee was deducted. I undoubtedly know my issues align with the recent CFPB findings against Navy Federal Credit Union, and request an investigation into my accounts 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: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cash app ( Block, inc. ) due to inadequate costumer 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 there platform, leaving my account vulnerable and unprotected. Further more, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution process 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 2025-01-20 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 am writing to formally express my concerns regarding Zell '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 Zell 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: NV

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 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 explanation
Consumer complaint received 2025-01-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request for Updated Status Dear Sir/Madam, I am writing to formally update the late payment entries on my credit report for the account referenced below. According to the ( FCRA ), I believe that these late payments have been reported in violation of my rights under the following provisions. In ordnance with 15 U.S.C. 1681a information reported on a credit report must be accurate, complete, and fair. I believe that the late payment entries reported on my credit file are inaccurate, incomplete, or misleading and should be corrected. Also Violation of FCRA 1666b ( Timely Notice of Billing Error ) : This section requires creditors to provide timely and proper notice to consumers regarding any billing errors, including late payment charges. If a billing error is disputed, the creditor is obligated to address it within a reasonable timeframe. I believe the creditor failed to provide the required notice of billing errors and did not give me an adequate opportunity to dispute or correct any alleged late payment charges. As a result, these late payments were reported incorrectly. Violation of FCRA 604 ( a ) ( 2 ) ( Permissible Purpose ) : Under this section, information may only be disclosed to third parties ( e.g., credit reporting agencies or other creditors ) if the reporting entity has a permissible purpose under the law. This includes cases where information is reported to ensure the accuracy of credit reporting, or where the consumer has explicitly agreed to the reporting.I believe the creditor did not have a permissible purpose to report late payments under these circumstances, particularly if the late payments were inaccurately reported or if no valid underlying issue existed. Account Information 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 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 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 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 2025-01-20 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Dispute and Request for Updated Status Dear Sir/Madam, I am writing to formally update the late payment entries on my credit report for the account referenced below. According to the ( FCRA ), I believe that these late payments have been reported in violation of my rights under the following provisions. In ordnance with 15 U.S.C. 1681a information reported on a credit report must be accurate, complete, and fair. I believe that the late payment entries reported on my credit file are inaccurate, incomplete, or misleading and should be corrected. Also Violation of FCRA 1666b ( Timely Notice of Billing Error ) : This section requires creditors to provide timely and proper notice to consumers regarding any billing errors, including late payment charges. If a billing error is disputed, the creditor is obligated to address it within a reasonable timeframe. I believe the creditor failed to provide the required notice of billing errors and did not give me an adequate opportunity to dispute or correct any alleged late payment charges. As a result, these late payments were reported incorrectly. Violation of FCRA 604 ( a ) ( 2 ) ( Permissible Purpose ) : Under this section, information may only be disclosed to third parties ( e.g., credit reporting agencies or other creditors ) if the reporting entity has a permissible purpose under the law. This includes cases where information is reported to ensure the accuracy of credit reporting, or where the consumer has explicitly agreed to the reporting.I believe the creditor did not have a permissible purpose to report late payments under these circumstances, particularly if the late payments were inaccurately reported or if no valid underlying issue existed. Account Information 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I directly disputed these accounts through XXXXXXXX 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

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 action have caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.

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: 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: MA

Complaint narrative:
I am writing to dispute the accounts and inquiries listed on my consumer credit report referenced below, which are the result of a data breach or fraudulent activity. Additionally, I demand verifiable proof bearing my signature or electronic signature for these actions.

Please note, I am sending this letter on my own behalf and not through a third party, so I urge you to review it carefully. I did not authorize these actions, which constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) Section 605B [ 15 U.S.C. 1681c-2 ] regarding the blocking of information resulting from fraud or a data breach, as well as Section 604 [ 15 U.S.C. 1681b ], which governs permissible purposes for consumer reports. 

I have contacted the companies involved and confirmed that these actions were initiated without proper validation or original proof from the reporting parties. These accounts and inquiries are inaccurate and unauthorized, stemming from either a data breach or the unlawful reporting of my consumer information by creditors or third-party data furnishers.

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 2025-01-20 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: SC

Complaint narrative:
XXXX has failed to fulfill it 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-provide evidence to furnisher, accepting unreliable response and failing to adequately notify consumer of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed or amended the disputed account, as XXXX 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 non-monetary relief
Consumer complaint received 2025-01-20 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: SC

Complaint narrative:
XXXX has failed to fulfill it 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-provide evidence to furnisher, accepting unreliable response and failing to adequately notify consumer of dispute outcome. These failures align with my experience, where XXXX has neither corrected nor removed or amended the disputed account, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation