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: AR

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 and financial loss and I see 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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XXXX 2024, I experienced an issue with Cash App, where I encountered unauthorized transactions on my account. Despite following the necessary procedures to report the fraud, Cash App failed to investigate these transactions properly, and I was not provided with a refund or provisional credit as required by law. Additionally, the customer service I received was inadequate, and I struggled to get timely and effective assistance. 

When I attempted to contact Cash App for support, I found that the provided phone number led to a prerecorded message, and the only alternative was to seek help through the app, which resulted in delayed responses. This lack of efficient customer service and the failure to investigate my case left me at a disadvantage, and I was burdened with the financial loss caused by the fraud. 

I am seeking a resolution to this issue, including a full investigation into my case, a refund for the unauthorized transactions, and improvements to Cash App 's customer service practices to ensure that future users are not subjected to similar experiences. Thank you for your attention to this matter.

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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficant 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 NFCU for similar practices, where transactions settled with insuffucant balances despite initally avaible funds. I believe these practices are unfail 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: Block, Inc.
State: TN

Complaint narrative:
Im filing a complaint against Cash App. ( Block Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act of ( 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 errors resolution requirements under the electronic fund transfer act EFTA and regulations 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: 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: NY

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-17 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy federal has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where navy federal has neither corrected nor removed ( CFPB ) has recently filed a lawsuit against navy federal, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where navy federal has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Navy federal inaction violates federal law and my rights as a consumer.

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: 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:
Last time I remember, in XXXXXXXX 2024, I noticed that I had been charged overdraft fees by Navy Federal Credit Union. One of the amounts was {$40.00}. I contacted the bank to inquire about the charges, and they said that happened because my funds I spent were pending and that it charged again for my next few purchases. I told them I didnt receive a notification letting me know my balance was so low that Id risk overdraft.

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: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against cashapp ( 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform which left my account disabled and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under ( EFTA ) Electronic Fund Transfer Act 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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was supposed to have XXXX dollars of my XXXX check deposited into my capital one account on XX/XX/scrub>/25 never received it called on XXXX/XXXX/25 they said by end of day it is now XX/XX/scrub>/25 and still no money in my account

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: SC

Complaint narrative:
I am contacting you to address significant concerns regarding multiple issues with my credit report. During my review, I found several inaccuracies, such as incorrect account listings, inconsistent billing details, and accounts that do not belong to me. These discrepancies jeopardize my financial stability, and I urgently seek your assistance in resolving them.

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: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One is withholding paychecks from their customers due to a vendor having an outage. They are not disclosing the vendor and are providing no accurate timeline of when this will be fixed. They did not even make the communication to their members until Thursday evening when this has been a problem since the XXXX. This is a horrible company, and if I had not made my credit card payment on time I would be screwed for the next seven years, but theyre allowed to not pay me on time with no consequences. The last update was this would be corrected Friday morning, it is now Friday morning and no direct deposit or reason WHY we havent received it yet. And now I am locked out of my account for logging in too much to see if I was finally paid.

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 service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
There have been multiple instances where Ive sent money to people accidentally and they have never helped me get it back or even helped theyve just said its a lost cost no operator or live agent helped its just been through an app which is extremely frustrating and difficult I work hard for my money and its not fair that its gone just like that over a mistake and no one can help

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: SC

Complaint narrative:
" I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORT to section ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS 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 2025-01-17 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 filling 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 under the electronic fund transfer act EFTA and regulations 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: 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2025-01-17 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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: CA

Complaint narrative:
Hello. I am submitting a complaint Due to inability of accessing my credit report, I am concerned that there may be inaccuracies in my personal information that need to be corrected. It is crucial for me to ensure the accuracy of my credit report as it may impact my financial well-being and access to credit. I kindly request your assistance in addressing this matter promptly. Please investigate this issue and take appropriate action to allow me access to my credit report and scores and update my personal information in accordance with the Fair Credit Reporting Act ( FCRA ) .I have attached copies of my identification and any relevant documentation to support my complaint.

Company response to consumer: Closed with non-monetary relief
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: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , InC ) due to inadequate customer service and unfair practices, which violates the customer financial protection act. Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and Regulations 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was supposed to have my paycheck directly deposited on Wednesday, XX/XX/2025, but when I logged into my account at Capital One, I saw a notification stating they were experiencing technical difficulties and are working to resolve the issue. It is now Friday, and I am still getting that same message and my funds are not available. According to the comments made on Downdetector, they are not giving consumers a straight forward answer to the question " when will this be resolved? '' but instead, answer with, " we don't know and it could be next Wednesday before your direct deposit it available. '' Meanwhile, I have automatic drafts that are being returned-not to mention I have no way of buying groceries, gas, etc. and a blanket statement apologizing for the inconvenience is not enough. Are they going to call all of my creditors and explain this to them? No. I want them held accountable for this unacceptable behavior along with some very steep penalties.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
recently discovered multiple entries from debt collectors on my credit report. I have no knowledge or involvement with these debt collectors, nor have I ever signed any agreements or incurred any debts with them. These entries include over 15 debt collectors, all of whom have listed incorrect or fraudulent information. I was not informed of any of these debts, and my personal information, including what seems to be my home address and other private details, was used without my consent. I was not aware of these entries until I checked my credit report. I immediately attempted to reach out to the credit reporting agency to rectify the situation, but I have not received a resolution or any satisfactory response. 

Additionally, I am requesting compensation for the damages caused to my credit score and the distress caused by these unauthorized actions. These violations have led to a significant amount of stress, as I was unaware of any of these debts and never consented to their reporting. My personal and private information was leaked, and I believe that this is a violation of both state and federal laws. I expect a prompt resolution and appropriate compensation for these violations.

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 belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
recently discovered multiple entries from debt collectors on my credit report. I have no knowledge or involvement with these debt collectors, nor have I ever signed any agreements or incurred any debts with them. These entries include over 15 debt collectors, all of whom have listed incorrect or fraudulent information. I was not informed of any of these debts, and my personal information, including what seems to be my home address and other private details, was used without my consent. I was not aware of these entries until I checked my credit report. I immediately attempted to reach out to the credit reporting agency to rectify the situation, but I have not received a resolution or any satisfactory response.

Additionally, I am requesting compensation for the damages caused to my credit score and the distress caused by these unauthorized actions. These violations have led to a significant amount of stress, as I was unaware of any of these debts and never consented to their reporting. My personal and private information was leaked, and I believe that this is a violation of both state and federal laws. I expect a prompt resolution and appropriate compensation for these violations.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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 non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation