vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights critical flaws within the platform. Despite repeatedly using Zelle and reporting issues, my financial institution and Zelle did not thoroughly investigate my claims. I was told that recovering the lost funds was not possible and that tracking the transactions was beyond their capabilities. The CFPBs findings reveal that Zelle has not only failed to safeguard consumers but has also allowed repeat offenders to abuse the system, leaving users exposed to fraud. This lack of accountability and transparency is deeply troubling and raises serious questions about consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal credit union regarding several overdraft fees. Despite having significant find when transactions were authorized. I was charged due to lagging of charges and credits. This issue aligns with the CFPB finding against Navy Federal credit Union for similar practices, where transactions was settled with insufficient balances, despite initially funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filling a complaint against Cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the 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 EFTA and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: NY

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
I was enrolled inXX/XX/XXXX for there XXXXXX/XX/XXXX. I was one class away and the school closed. I had all the grades I needed to complete the program and I feel as if I shouldnt have to pay this back when I was attending school when I needed to complete this class. I get charged for some loans and I wasnt the ones that closed the doors or left the school. I was actually attending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Back in XXXX, I submitted a claim regarding my XXXX XXXX XXXX XXXX XX/XX/XXXX. We are all aware of XXXX violation of FCRA -this loaned was opened in XX/XX/XXXX. Inaccurate payment statuses appear on my credit reports. XXXX XXXX XXXX reflects 60days past due but the account was paid off. I've expressed to XXXX that from me submitting a claim to the CFPB in XXXX that my payment history prior to that reflects not reported. During their lawsuit my account was temporarily removed from my credit report. They're inconsistencies in the 30/60 day payments, last activity, closed date, etc. These inconsistencies are negatively affecting my credit score. I am requesting that this account be removed from all credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Back in XXXX, I submitted a claim regarding my XXXX XXXX XXXX XXXX XX/XX/XXXX. We are all aware of XXXX violation of FCRA -this loaned was opened in XX/XX/XXXX. Inaccurate payment statuses appear on my credit reports. XXXX XXXX XXXX reflects 60days past due but the account was paid off. I've expressed to XXXX that from me submitting a claim to the CFPB in XXXX that my payment history prior to that reflects not reported. During their lawsuit my account was temporarily removed from my credit report. They're inconsistencies in the 30/60 day payments, last activity, closed date, etc. These inconsistencies are negatively affecting my credit score. I am requesting that this account be removed from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Back in XXXX, I submitted a claim regarding my XXXX XXXX XXXX XXXX XX/XX/XXXXWe are all aware of XXXX violation of FCRA -this loaned was opened in XX/XX/XXXX. Inaccurate payment statuses appear on my credit reports. Experian XXXX XXXX reflects 60days past due but the account was paid off. I've expressed to XXXX that from me submitting a claim to the CFPB in XXXX that my payment history prior to that reflects not reported. During their lawsuit my account was temporarily removed from my credit report. They're inconsistencies in the 30/60 day payments, last activity, closed date, etc. These inconsistencies are negatively affecting my credit score. I am requesting that this account be removed from all credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
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. 
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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: AK

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a notification from Cash App ( Block , Inc ) that my account had been closed due to me violating their terms and conditions. I immediately reached out to customer service and they confirmed my account was closed and my children 's accounts were closed as well. They informed me that I could request a review and it would take 30 days. I consented to the review. On XX/XX/XXXX, I received an email from XXXX, a Cash App representative, who stated they had reviewed my account and that they had found activity that violated the terms of service and that they would not reopen my account. When I asked again exactly what did I violate, they just sent me a link to the terms of service. I requested another review on XX/XX/XXXX. They responded with a case number and stated they would respond soon. On XX/XX/XXXX, Cash App sent me an email stating that they closed my case because I didn't respond in 3 days. I reached back out to Cash App Support and explained that I had been waiting on a response and I was never asked to reply to the last email. The representative said that they would look into it and get back to me. As of today, XX/XX/XXXX, I have not received an explanation about my account, nor was it reopened, yet they are still charging me late fees for a loan that I can't pay back because I no longer have an account with Cash App. I am one of many who lost their accounts for unknown reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint again Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> my phone was stolen and {$1.00} was taken from my cash app checking account and transferred to a XXXX XXXX XXXX account which I do not have a account with them. I contacted both cash app and the XXXX XXXX XXXX to start a dispute and it basically got denied on cash app end. They said it showed no foul play but that isn't true because I never had a account with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against cash app block Inc due to an adequate 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 an 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have notified all three credit Bureaus Transunion, XXXX, XXXX and XXXX XXXX that XXXX XXXX  is not my account I have never done business with them. I asked for a copy of original paperwork to prove I did business with them. And if the account was sold to them from someone I never have permission to do so,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I zelled someone and it wasnt my intended contact. There wasnt a confirmation of the persons name as there currently is in place now. I tried to argue it but nothing came from it. With a warning in place I wouldve seen it wasnt my intended target.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
This advertised as a 360 savings account with a 4.35 %, I never received this advertisement and it is now changed to 360 performance saving account without the benefits.

Company response to consumer: Untimely response
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CONSUMER PORTFOLIO SERVICE failure to issue a Form 1099. I rely on this form to accurately report my income and fulfill my tax obligations.

I have made multiple attempts to contact CONSUMER PORTFOLIO SERVICE regarding this issue, but I have not received any response or the required 1099 form. Despite meeting the criteria for receiving the form under IRS guidelines, I have yet to receive it or any communication from the company explaining the delay or providing a timeline for resolution. 

This lack of compliance is causing significant frustration and could potentially impact my ability to file my taxes on time. 

ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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 users vulnerable to scams. The lack of accountability and transparency is unacceptable and raised serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am feeling a complaint against Cash App ( Block , Inc. Due to inadequate customer service and unfair practices. which violates the consumer financial protection act. ( CFPA ) pacifically cash app failed to take timely and effective business to address fraud on their platforms, my account, vulnerable and unprotected. Furthermore. The dispute resolution process was unfair. And deceptive. They did not comply with error, resolution requirements under the electronic fund transfer act ( EFTA ) and Regulations E. These actions has caused significant a convenience and financial loss and I seek appropriate redress of these violations.

Company response to consumer: Closed with explanation