vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to 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 2025-01-19 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: SC

Complaint narrative:
XXXX XXXX I am a victim of several credit data breaches including major credit bureaus Transunion,! XXXX and a company reporting to XXXX ( XXXX ). I have an email explaining what and how it happened ( proof ). Ive noticed several inaccuracies violating codes 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 2025-01-19 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:
XXXX XXXX I am a victim of several credit data breaches including major credit bureaus XXXX,! Equifax and a company reporting to XXXX ( XXXX ). I have an email explaining what and how it happened ( proof ). Ive noticed several inaccuracies violating codes 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 explanation
Consumer complaint received 2025-01-19 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: OK

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> I Zelled {$190.00} dollars to my XXXX XXXXr after getting the number wrong and sending another {$190.00} to a random person. I called BOA immediately, they told me to make a claim and try contacting the person I sent it to. The person did not cooperate. I called the bank back to let them know. The only thing they told me is they would investigate further. I waited a whole month for them to tell me since the recipient/the recipient bank denied it, I couldnt get my money back and the claim was closed. I stated I had screenshots of the mistake, reaching out to the recipient and her response. BOA stated they didnt need my proof. There was no escalating or appealing this claim. I simply lost {$190.00}

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 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Fraudulent Activity by Mercedes-Benz Dealership Dear Sir/Madam , I am writing to file a formal complaint against a Mercedes-Benz dealership regarding fraudulent activity in connection with my recent vehicle purchase. Below are the details of the issue : 1. Fraudulent Signing of Documents : The dealership signed my name on documents without my authorization or consent, binding me to terms that I did not agree to. These documents significantly inflated the purchase price of the vehicle and resulted in an unfavorable and unexpected interest rate. 
2. Attempts to Resolve : I have made multiple attempts over the past year to resolve this issue directly with the dealership, but my concerns have been ignored, and no action has been taken to rectify the matter.

3. Impact on Me : This fraudulent activity has caused financial hardship, as I am now burdened with an overpriced vehicle and an unfair loan agreement. Furthermore, I feel violated that my signature was misused in this way. 

I am requesting that the CFPB investigate this matter thoroughly and assist in resolving the following : Void any documents that were fraudulently signed. 
Adjust the purchase price and financing terms to reflect the fair value of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 writing to express my concerns regarding CASHAPP handling disputes in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using CASHAPP numerous times and reporting any discrepancies, my financial institution and cashapp failed to investigate my claims adequately. I was informed that recovering lost funds would be impossible and that tracking the transactions was unfeasible. The CFPB 's findings indicate that CashApp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving consumers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: PA

Complaint narrative:
FH Cann was sold my school loan from XXXX, I have made a repayment plan with the department of education. XXXX no longer exists and sold its debts to FH Cann, which I XXXX is illegal because its a XXXX loan from the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate personal information listed on my credit reports. Despite numerous attempts over the years to have this incorrect data removed, all three credit bureaus continue to report wrong names, incorrect addresses, and inaccurate employment information on my credit profile. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have the right to receive complete and accurate information on my credit report. Additionally, FCRA Section XXXX ( XXXX XXXX. XXXX ) mandates that credit reporting agencies investigate disputes thoroughly and correct or delete any information found to be inaccurate or unverifiable. The persistence of this erroneous data, despite my previous disputes, demonstrates a failure to meet these obligations. 
The reporting of inaccurate personal identifiers increases my risk of identity theft and fraud, especially in a world where millions of people have similar names. The FCRA requires that credit reporting agencies ensure the maximum possible accuracy of the information they report under Section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Your failure to maintain accurate records has caused unnecessary harm and confusion. 
I am requesting the immediate removal of all incorrect names, addresses, and employment information from my credit reports. Additionally, I am requesting written confirmation once these corrections have been made. Failure to address these inaccuracies properly may result in legal action under Section XXXX ( XXXX XXXX. XXXX ) and Section XXXX ( XXXX XXXX. XXXX ) for willful and negligent noncompliance, respectively. 
Please consider this letter my formal dispute and act promptly to correct my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Request for Immediate Removal of Inaccurate Information on Credit Report Dear CFPB, I recently reviewed a copy of my credit report and discovered multiple inaccuracies, including addresses and names that are not associated with me. I have no connection to these details and am uncertain as to how they appeared on my report. I am formally requesting that you investigate and remove all incorrect information from my consumer report within four ( 4 ) business days of receiving this correspondence. 

The following details need to be reviewed and corrected : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX. XXXX XXXX XXXX XXXX XXXX, Fl, XXXX. XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX. XXXX XXXX XXXX XXXX XXXX, Fl, XXXX. Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX. XXXX XXXX XXXX XXXX XXXX, Fl, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: GA

Complaint narrative:
I have a Cash App Card. On XX/XX/year>, I forgot to lock my Cash App card and there were 2 separate charges on my card that totaled {$120.00} ( XXXX & XXXX ) from XXXX. Cash App Support said I needed to called XXXX. I did, and XXXX said the transaction looked like a ghost transaction and look fraudulent and I would have to deal with Cash App. I called Cash App Support back and told them what XXXX said so I submitted a claim with Cash App Support. After their review, they said it was a valid transaction. I told them I did not make the transaction Cash App Support is still insisting I made the transaction and closed the case with no further review. Cash App is looking to charge my card but I don't have enough money in the account. 

Looks like Cash App is up to it's old tricks again. Taking money out of people account and preying on the people that forget to lock their card. There should be a Congressional I Insight Hearing into the business dealing with Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint about multiple overdraft fees being applied to my account. These fees were assessed despite having sufficient funds available at the time these transactions were authorized. However due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears to be consistent with findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transctions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 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 ( 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 2025-01-19 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 writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
The account has been sold off to numerous account holders. This recent debt collector reported the account on my credit without any notification at all. The debt collection agency is Consumer Adjustment Co. I have never had any business with this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I lost my job during the pandemic and I applied for rental assistance which I was awarded. Payments were made to the property and I attempted to set up payment arrangements to try and decrease the balance. While at this property all bills were included in the rent for the amount of {$720.00} monthly. This was a flat rate, I asked for a print out of what I am being charged and the agreement and I was provided falsified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report as is it hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
I have been with the same bank off and on for 8 years. I have an issue with how they quickly dispose of tax records which I will report separately. I have had checking, debit, and savings accounts with them, two of which I closed because there seemed to be fraudulent activities. 

I received a banking history report from both reporting agencies that banks use to open accounts. On one of the reports, I have several open, and deleterious actions regarding the accounts that I've had with this one bank.

I have tried to get an explanation from the local branch, and provided the manager with a copy of the deleterious banking history report, of which she was unaware. I am still trying to get an explanation from this branch, and it's been going on 6 months. I am unable to open any type of account at a different bank. 

I sent an email to their headquarters, and a resolution specialist got in touch with me. She did not provide her last name ; her direct phone number does not accept voice mail messages ; and it's been 3 weeks. 

I don't think I'm overdrawn, but on the banking history report, it said that I was short on the new check print order charge. I provided verbal and written proof that the bank cancelled the checking account and said they would cover the print charges. The bank would not correct this charge on the banking history report, although that particular reporting agency said they had tried to work with the bank regarding the charge. 

I need explanations. The local bank branch says it's because I use a mailing address from a homeless advocacy agency. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: KY

Complaint narrative:
I want for reimbursement for overdraft fees for the past 36 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 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 actions have cause significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request that these inaccuracies be corrected and that my credit report be updated to reflect these accounts as " Paid as agreed. '' Please conduct a thorough investigation and update my credit report accordingly.

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 2025-01-19 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 CashApp ( 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 unprotected and vulnerable.

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