vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I purchased an XXXX XXXX on XX/XX/year> for {$XXXX}. I gave XXXX my phone in person the same day at the XXXX XXXX in XXXX XXXX, XXXX XXXX, XXXX. The trade-in value was {$XXXX}. XXXX processed this incorrectly and charged my card with {$XXXX} credit limit {$XXXX}. ( not sure how this was even possible ) The money owed via a payment plan was {$XXXX}. 

We assumed everything was fine at the time. Then within the week, I noticed that the balance was all wrong, so I unknowingly, I paid off the entire balance on my card assuming that it was the payment plan that XXXX put me on. 

The following month on the XXXX, the notification came to my phone showing that the first installment of {$XXXX} or so was due. At this point, we called Apple Card support to try to figure out what happened. A dispute was filed and the {$XXXX} was eventually credited back to my account and showed as + {$XXXX}, since the card was already paid off. 

The installments continued and processed money each month on my card. We basically stopped using the card aside from recurring payments to XXXX for normal things. We continued to call over the next few months trying to get an explanation of our statement but a balance still reflected on credit reports each month even though the app would not let us pay anything at all since we had statement credit. As months continued, every time we used the card, funds were discounted from the surplus credit and also saying this money was owed in the statement balance and removing money from our credit limit. I was unable to pay anything towards my balance at all to resolve any issues here. 

As of today, I still do not understand why my balance is being reported to Credit Bureaus incorrectly and what XXXX did to my card to ruin my statements. Meanwhile, the balance on my card keeps increasing and I am not even sure what I owe or how any of this happened. This a huge fail on both XXXX and Apple Card 's side and I am at a loss for words. 

I believe that my entire account needs to be reconciled and that all monthly credit reporting needs to be removed since a balance has incorrectly been reported.

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: TX

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 l
oss, 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: TX

Complaint narrative:
I am filling a complaint against Cash App ( Blobk , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protected Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their Revolution support 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 in 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: GA

Complaint narrative:
I Am writing to file a complaint against Navy Federal Credit Union XXXX multiple overdraft fees I have incurred.Despite Having sufficient funds when transactions were authorized was charged fees due to lagged aligns with recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and 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 2025-01-18 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: CA

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 that 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 also allowed repeated 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 2025-01-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX XXXX breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain. 
Details of the Breach : The XXXX Data breach exposed the following elements of my personal information : Full name Social Security Number Date of birth Address history Employment information Financial account numbers 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 2025-01-18 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 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 Find 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 service problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint again 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 measure 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 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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.

Complaint narrative:
Yes I have a account with cash app it has been several different times money has came up missing out my account and transactions that I didnt to but cash app had no customer service I can speak with and Im funds was never reimbursed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Subject : Request for Verification and Removal of Debt Dear TRANSUNION, ACCCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the accuracy of the debt referenced on my credit report, under account number [ Account Number ]. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to request verification of any debts reported to the credit bureaus. Specifically, I request the following : Verification of the Debt : Please provide detailed documentation to verify that I owe the stated amount, including any supporting records that demonstrate the debt is mine. This should include the original contract or agreement, signed with a wet ink signature, which demonstrates my obligation to the debt.

Itemized Billing Statements : I want to clarify that an itemized billing statement alone is not considered sufficient proof of a debt under the FCRA. As per 15 U.S.C. 1681, I request documentation that includes the original signed agreement.

Additionally, I remind you that under 15 U.S.C. 609 ( a ) ( 1 ), I am entitled to request verification of any information being reported. If you are unable to provide the original signed contract and proper verification of the debt, I request that you remove this item from my credit report and delete any reference to this debt from your records, as required under the FCRA. 

Please respond to this dispute within the timeframes set forth by the Fair Credit Reporting Act ( 30 days ). If I do not receive satisfactory verification of the debt within this period, I will consider this matter resolved and request that you remove the negative information from my credit file. 

Thank you for your prompt attention to this matter. I look forward to receiving your response with the requested documentation. 

Sincerely, XXXX XXXX Enclosures : XXXX of Credit Report showing disputed debt

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: OH

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 ar 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: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practice, which violate the onsumer 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 vurable and unprotected. Furthermore, their dispute resolution process was unfair and decpective, as they did not comply the with the error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused a signinfacnt inconveinence and finacial loss, and i seek the appropiate redressfor these violations.

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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I tried to dispute inaccuracies with XXXX as information was reporting on my consumer profile that shouldn't be. Upon dispute results came back verified and I submitted another dispute with the condition to provide proof of verification.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists 15 USC 1681i ( a ) 1 15USC 1681i ( a ) 6 ( B ) 3 15USC 1681i ( a ) ( 5 ) B 15 U.S. Code 1681 ( s ) -2 states that any payments during covid-19 are required to be deferred or forgiven.15 U.S. code 1681 ( 4 ) states i have the right to privacy. I consider my payment history to be private information and must be deleted from my credit report.15 U.S. Code 1681 ( a ) states any transactions between you and the creditor are required to be excluded from your credit report.

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: 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: Exeter Finance, LLC.
State: AL

Complaint narrative:
XXXX IS REPORTING XXXX inquiries when there is only XXXX on XXXX and XXXX has only XXXX and XXXX shows that they were for online service request when i did ask for my credit to be ran XXXX times, this is inaccurate and must be removed /deleted US CODE 1681 c 2, us CODE 1681e-b and XXXX REINSERTED a bankruptcy when section 9037 only last four of social is shown, and only birth year is shown how was it verified bankruptcy laws says a consumer information is redacted. XXXX places bankruptcy back on my credit report. FCRA STATES credit bureaus reinserted a item after it was removed, they were supposed to notify me U.S.part a-A-5-B-ii, XXXX XXXX is reporting a XXXX balance on all reporting agencies which i have no idea who they are, and what the charges are for.

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: Exeter Finance, LLC.
State: CA

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 unresolve. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging systematic 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 the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disrupted accounts as XXXX inaction violates federal law and my rights as a consumer

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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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 unresolve. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging systematic 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 the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disrupted accounts as XXXX inaction violates federal law and my rights as a consumer

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: GA

Complaint narrative:
I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights. 

Please conduct a thorough investigation into these accounts and provide me with written confirmation that they have been removed from my credit report. I expect a response within the 30-day period as required by the FCRA.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights. 

Please conduct a thorough investigation into these accounts and provide me with written confirmation that they have been removed from my credit report. I expect a response within the 30-day period as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I had returned the car to the dealership after being notified that the abs system and the electrical system had faults. The dealerships told me they would fix it and never did and then reported to the bank that they had repossessed the car.Therefore it was reported to my credit and now says I owe XXXX and interest is currently growing.The dealership is called XXXX XXXX XXXX XXXX XXXX Nevada XXXXXXXX XXXX XXXX XXXX

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I had returned the car to the dealership after being notified that the abs system and the electrical system had faults. The dealerships told me they would fix it and never did and then reported to the bank that they had repossessed the car.Therefore it was reported to my credit and now says I owe XXXX and interest is currently growing.The dealership is called XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AL

Complaint narrative:
My money disappeared reached out for customer service and there was no help at all ... cashier at convenience store stole my money told me it was loaded and I texted cash app to see the problem ... no resolution

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: TX

Complaint narrative:
Hey Zelle didnt help me at all but lose money..no disputes or nuthin.. n they have repeated to let it happen over n over very lack of there accountability

Company response to consumer: Closed with explanation