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: Block, Inc.
State: NC

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 to 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: 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: GA

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

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I tryed to dispute it multiple times it show close on my credit but was never removed from off my credit it still on there the company name is XXXX XXXX I also tried to contact them and tell them they told me to contact XXXX /EQUIFAX ,

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle had 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 2025-01-19 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: SC

Complaint narrative:
I am writing a complaint regarding overdraft fees applied to my accounts. These fees were added despite having funds available at the time the transactions were made. Due to the delay of posting the funds, I was charged with these fees. This appears to be consistent with recent CFPB findings, which identifies similar issues practice by Navy Federal Credit Union. It is unfair charge overdraft fees when the funds were initially there but the posting of the transaction was delayed.

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: Early Warning Services, LLC
State: NM

Complaint narrative:
On XX/XX/year> I used Zelle through my online bank, XXXX, to send two amounts {$250.00} and {$750.00} to XXXX XXXX XXXX XXXX. When I set up this transfer account I inadvertently used an incorrect cell phone number of XXXX instead of XXXX. When XXXX XXXX  alerted me that she had not received the funds I contacted the bank, corrected the phone number and sent the funds. XXXX assured me the incorrect transfer would be corrected and the funds put back in my account. That never happened, they had me file an unauthorized debit card activity claim which was denied by Zelle. I then sent an email to Zelle explaining the cc problem. They did not respond. I researched the incorrect phone number got a name, XXXX XXXX, an address, XXXX XXXX XXXX XXXX CO XXXX, and used XXXX to see his XXXX XXXX dollar home.

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 — Late or other fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On several occasions of me using Zelle my money has always either been held or not coming to me at all it has an recurring button that automatically turns on and was making payments on my behalf even when I didnt authorize it telling me I can control the button when I never set up automatic payments never Im not that financially stable so in many instances Zelle had taken payments from my bank and I didnt realize it for about a year when the recipients told me I had done over paid them a few times they had to send me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: AR

Complaint narrative:
I am disputing the collection account with DISCOVERBANK, account number XXXX dated XX/XX/scrub> 2023, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that DISCOVERBANK, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: TX

Complaint narrative:
I am filling a complaint against cash app ( Block , inc ) Due to inadequate customer service and unfair practices, which violated 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 Fraud 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing XXXX XXXX XXXX XXXX. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right now. ''

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I was scammed out of {$2300.00} via Zelle in XX/XX/year>. I immediately reached out to my bank to seek assistance. I was informed that due to using Zelle, all transfers were final and I couldnt get my money back.

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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 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 was authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees, This issue appears consistent with recents 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 & 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: 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: NY

Complaint narrative:
I was checking my credit history and found over XXXX inquires that were not authorized by me nor did I revive any service from these companies. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or initiated for permissible purposes should appear on my credit report. If these inquiries were not authorized or initiated through legitimate means, they must be removed.

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
XXXX unable to access my account because deemed fraud but I still had money that was sent to zelle for me from a friend and I was unable to receive this payment because of This. {$20.00} was the amount sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I am writing to bring to your attention a serious issue regarding the mishandling of my student loans by my loan servicer which has resulted in my eligibility for student loan forgiveness being over looked. 
I am very grateful for the programs and initiatives that have been implemented by the Department of Education to provide relief for student loan borrowers. I have began educating myself on the various options available for forgiveness and I believe I meet the criteria for eligibility under the Borrowers Defense program. 
Unfortunately I recently discovered that my loan servicer Navient failed to properly handle my student loans and neglected to consider my eligibility for loan forgiveness despite meeting the criteria. Navient did not provide me with the necessary information, guidance, or assistance needed in pursuing forgiveness options. The mishandling of my loans has caused very significant financial distress and has hindered my ability to achieve financial stability. As a responsible borrower I have fulfilled all obligations required of me. It is very disheartening to realize that my loan servicer 's negligence has resulted in preventing me access to benefits that I am rightfully entitled to. In addition to Navients negligence in assistance with loan forgiveness the servicer has also been extremely negligent in communicating loan terms as well as transfers, this is in addition to the predatory lending practices the servicer has participating in while servicing mine an countless other borrow loans. I am kindly requesting the Department of Education conduct a thorough investigation into this mater and take any and all appropriate action against my loan servicer for their mishandling of my student loans. Additionally, I urge you to please rectify this situation by ensuring that my eligibility for loan forgiveness, as well as any correspondence with my loan servicer that supports my claims. I am more than willing to provide any further information or documentation required to support my case. I trust that the Department of Education will take this matter seriously and address it promptly. I have faith in the system and believe that my concerns will be thoroughly investigated and resolved in a fair and just manner.

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: MS

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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: 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: AZ

Complaint narrative:
I reviewed a copy of my consumer credit report I noticed some accounts that I have no knowledge of per section 606b and 15 usc 1681c2 I request the following accounts be blocked and or deleted within four business days Im also a victim of the XXXX XXXX breach Please block and or deleted within four the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information showed up in a data breach and incorrect information

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: FL

Complaint narrative:
I would like a full reimbursement of funds to my account. XXXX XXXX have been illegally charging me hundreds of overdraft fees over the last few years and I want all my money back with a little interest. I have been getting charged weekly overdraft fees.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment reported on my account with XXXX XXXX XXXX XXXX for XX/XX/year>. It is my understanding that, under 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), my consumer report should not contain information solely related to transactions or experiences between me ( the consumer ) and your company ( the furnisher ). Payment history, including late payments, directly affects my credit report and constitutes part of the transactions between us. Therefore, any reported late payments should be based on accurate and verifiable information. 
Furthermore, I am requesting that you provide me with written confirmation of the procedures you follow, as required by 15 U.S.C. 1666 ( b ), to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. I also request the information required by 15 U.S.C. 1637 ( b ) regarding the content of these statements.

You are required to respond to this request within 30 days of receiving this letter. If you fail to provide the requested information within the prescribed time frame, I will assume that you can not verify the late payment reported for XX/XX/year>. In that case, I request that you remove the late payment from my account and update my credit reports with the following consumer reporting agencies : XXXX, XXXX, and TransUnion ( or all applicable agencies ). Additionally, I request that my account be updated to reflect positive payment history.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
On XX/XX/2025 I made the car payment of {$590.00} through the automated system of the company in which the car has the loan through since the due date was on XX/XX/XXXX. On XX/XX/XXXX after I made the payment I received a confirmation email. On XX/XX/XXXX the payment of {$590.00} was reversed by the history on the account. On XXXX XXXX I called the company to find out what had happened. Per the agent advised the company automated system couldnt find my account information and reversed the transaction which caused the loan payment to become late with a {$30.00} fee. As I expressed to the agent I paid on time and I should not be charged a {$30.00} fee when I used their website to make the car payment of {$590.00} which verified my credentials to even get to the loan account payment icon. The agent said that they had been having some technical issues and asked me again did I call in to make the payment or did I do it online. I told the agent I made to the {$590.00} car payment online using the website and got a confirmation email. I told the agent I didnt reverse the transaction of {$590.00} your system did. The agent said that she would email the supervisor to reverse the {$30.00} fee and it should take XXXX to XXXX hrs. I paid {$590.00} with no fee and received an confirmation email on the XXXX of XXXX XXXX XX/XX/XXXX I checked the loan website and the {$30.00} fee was still on the account. I express the complaint to the virtual assistant which advised me I need to speak with an agent. Called the loan company spoke with an agent about the {$30.00} fee that was on the account. The agent said they will send the supervisor an email to get the {$30.00} fee reversed after I explained again and it should be a note on the account. On XX/XX/XXXX the {$30.00} fee still shows on the account. I dont understand why I have to call multiple times to this loan company to ask them to fix a problem their system created

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 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 XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I 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