vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX appeared on my Experian report without my knowledge. 

XXXX XXXX XXXX XXXX appeared on my Experian report as a hard inquiry without my knowledge. ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) XXXX XXXX XXXXXXXX XXXX appeared on my XXXX report without my knowledge. ( XXXX XXXX XXXX, XXXX, VA XXXX ) All these companies I have reached out to them in regards to removing the fraud inquiries and none of them have made an effort to do so. It is very tedious having to stay on the phone for hours trying to clear up these matters. 

In the month of XXXX, XXXX I was also a victim of theft of my laptop which had vital personal information that might also a play in the recent uptick in fraudulent activity. I have filed a police report to support my issues.

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am Filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds in my account at the time the transactions were authorized, I was charged overdraft fees due to delays in the posting of charges and credits. This issue appears to align with recent findings by the Consumer Financial Protection Bureau ( CFPB ) against Navy Federal for similar practices, where transactions settle with insufficient funds due to timing discrepancies. I believe these practices are unfair and request a thorough investigation into my account transactions and the associated 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 2025-01-16 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 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 theses violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX is reporting negative activity that does not belong to me. Delete from report immediately.

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 2025-01-16 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 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 ( 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: 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: DE

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX  Account Number : XXXX Balance : {$18000.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Account Name : XXXX XXXX Account Number : XXXX Balance : {$230.00} Reason : This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: FL

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 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: DC

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 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I moved from XXXX to XXXX in XXXX XXXX, my Bank of America Credit Card was set up on automatic payments deducting from a XXXX  Bank account. I closed this bank account when I moved to XXXX. I thought that I had updated all my Credit Cards with my new address, but BOA must have slipped my mind during that tumultuous transition period. 

XX/XX/XXXXXXXX  - Payment was auto-deducted from the closed XXXX  account for {$17.00} against my Bank of America XXXX BOA ) Credit Card XXXX 

XX/XX/XXXXXXXX  - I received email " Confirmation : Thanks for your Credit Card Payment '' from Bank of America. 

XXXX/XXXX- I received email " You have a new Online bill '' from BOA XXXX This bill was for {$17.00}, noting a due date of XX/XX/XXXXXXXX. I did not see this email. They did not notate this was related to the previous bill either. 

XXXX/XXXX- My account went past due. 

XXXX/XXXX- I made payment the moment I was aware that my original payment did not process and was categorized as " non-charge charge back '' by BOA. 

XXXX A late payment was added to my credit report and my score dropped XXXX points. 

30days did not pass between the XX/XX/XXXX stated due date and when I made payment on XX/XX/XXXX. 

I am requesting intervention to remove is from my credit report. I have never been late on any of my open accounts. I am a XXXX XXXX XXXX who is trying to buy my first home with my spouse and XXXX XXXX XXXX daughter. This erroneous late fee has now made that dream impossible due to the higher interest rate. Please help, I need some good will, thank you.

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 2025-01-16 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: MD

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 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Phoenix Recovery Group
State: CO

Complaint narrative:
I been a victim of identity theft its been happening for a while now Ive had my phone service changed to other carriers with out my consent, my emails hacked and social medias. Ive had my pay stub app hacked and bank accounts and mail service hacked. Ive made a police report of this happening to me and my wife we have never lived in these states we also have had cars under our names ran and taken out. And even had people arrested with our identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: OR

Complaint narrative:
I am writing for formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I applied to wells fargo home mortgage through the home preservation department for a loan modification for my home since XX/XX/XXXX2024 and every time I sent documents in to them that they requested, by their own mail, addressed envelope to submit the documents or through their email address process each time since XX/XX/XXXX2024 they returned to me saying either they didnt get the needed documents or some missing, or I needed additional documents and I have sent them verification of income and whatever else in additional information to help move the process and up to now, still nothing have been but still saying they need more document that I already sent in over and over again. I have tried to provide Wellsfargo with documents requested n check them off each time i contact them to only learn, documents not received and i have sent. Telephone communications to them have bern dropped calls or long waiting with voice to leave a message.. I been in my home 17 years love my home n wish to stay in it. I have provided the documents as requested and sent personal letters hoping to move forward but still hasn't n started this in XX/XX/XXXX. I have been requested to send the same documents over n over. The assigned home preservation, ive called but got her 1-2 time in XXXX, always others representatives. I like to be assigned to one person represented in home preservation to communicate with. Wellsfargo representatives are overlooking my related documents which can cause me to be denied and go into foreclosure. My home area in a XXXX redlining area i known for years and ive been subject to discrimination because of this from wells fargo. Ive asked for a fair housing mortgage cost based on the fact i was charge way more with my loan than the value of my home. The value of my home will never reach what i am to pay in loan amount. Ive sent all documents request ; sufficient income info, my debt to income is manageable for me now, Hardship letters, consistent monthly income. Ive been under severe emotional distress dealing with trying to get my modification, 17 years of my hard work living into my home, my community..

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One hasnt deposited my direct deposit for my checking account and savings account! Im now late on bills because of them. This has been going on since Tuesday and it Friday. To make matters worse they sent email on XX/XX/year> at XXXX XXXX saying they cant deposit anyone checks. I need my money with interest now!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I contacted XXXX and submitted Legal documents that my XXXX XXXX account should not be reported on my credit. The property is owned by a XXXX and I no longer have ownership. I requested that they remove the account from my 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 non-monetary relief
Consumer complaint received 2025-01-16 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: NY

Complaint narrative:
I contacted XXXX and submitted Legal documents that my XXXX XXXX account should not be reported on my credit. The property is owned by a XXXX and I no longer have ownership. I requested that they remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received my XXXX XXXX statement that showed a {$290.00} penalty fee. In XXXX, I didn't receive any notification paperwork that the XXXX was up for renewal. When it was renewed, XXXX had assigned a low ball interest rate to it and was offering a much higher rate at a branch. I had them stop the XXXX  so we could create XXXX with a higher rate that was offered at a local XXXX XXXX. 

XXXX XXXX XXXXXXXX. My checking account ends in XXXX XXXXXXXX. XXXX ends in XXXX XXXX 

I was NEVER notified or told in either writing or verbally there would be a penalty for changing this XXXX  while this transaction was active. 

I am a XXXX XXXX XXXX senior with a XXXX and I am on a XXXX XXXX XXXX. This is elder abuse by low balling an automatic XXXX  renewal. 

I want the {$290.00} interest that I am entitled to returned to my account. The funds were with XXXX the entire time. 

I was on the phone with XXXXXXXX XXXX XXXX ( XX/XX/XXXX ) with XXXX people who couldn't answer my questions or provide any answers on the best way to resolve this. When I asked to speak to superviser I was transferred into a queue that had a XXXX minute wait ; I was already on the phone with the XXXX people for close to XXXX minutes trying to get answers.

Company response to consumer: Closed with explanation