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: AL

Complaint narrative:
I am filing 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 any 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, resolutions, and requirements under the electronic funds transfer act ( EFTA ) and regulations e. These actions have called 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I'am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which 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 has caused significant inconvenience and financial loss. And I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have been getting random emails from a company called XXXX for months, which all say that the application was sent from a different company that I have never heard of. I have not authorized a single application that has been sent to them, although when they did approve one of them after months of doing this and denying all of them for different reasons, I decided to see what would happen if I played along with them. That one was then denied. 
XX/XX/year> was the first email that I received saying that they were working on an application, which I replied to saying that I did not fill any application out. I mentioned that I have been a victim of identity theft, and sent them a notice to furnisher from the FTC. That email bounced back, as the " XXXX XXXX XXXXXXXX '' Email is a redirect to " XXXX ''. 
I have called in several times to be hung up on by an automated assistant. 
I finally did reach them today, and they stand by all of the applications that they are processing without my approval. They all say the same thing that their emails say, that they know that it is frustrating but they have their processes ( Which are largely illegal ) and can not say any more but that they are protecting themselves. 
I would say they should be protecting themselves because they are a massive fraud factory pumping out hard inquiries, 5-10 a week and multiple at a time. I asked what time they received 3 applications from over a week ago that they just emailed me about, and was given a time span of 1 minute. I said " so that is clearly not something that I would do. How are you allowing 3 applications to be processed at the same time under one account number, that I can not log into without auto submitting more applications? '' ( That is another point, every email references the same account, that is not an account. Not one that can be logged into without autosubmitting another application. ) I was told, of course, that they know that it is frustrating to have hard inquiries, but that I can trust them that they are only acting in their own best interest. Literally. I recorded it but accidentally had another program open and on mute so the recording is ruined, but they literally tell you that they are only operating in their own best interest. 

I '' ve attached every email that I '' ve received and sent since XX/XX/XXXX. I will be filing a police report for identity theft, and fraud, and am going to do my best to report this to any other agency that may be able to look into this racketeering scam that only exists for some reason as far as I can tell to run credit inquiries over and over again.

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: NC

Complaint narrative:
I am filling a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices which violates consumer financial protection act ( CFPA ). Cash app failed to take timely and effective measures to prevent and address fraud in their platform leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error solutions requirements under the electronic fund transfer act ( EFTA ). These actions have significant inconveniences and financial loss, and I seek 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 belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX Ga, XXXX DOB : XX/XX/XXXX SSN : XXXX I recently obtained a copy of my credit report from your services and found the following items to be an error. 

Creditors Account Name and Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to section XXXX XXXX XXXX XXXX XXXX Validation of debts ). 

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OH

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: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had installed a new water heater in my home thinking I could use my well Fargo XXXX XXXXXXXX XXXX, for them to tell me I wasnt able to use it because it wasnt someone they worked with and I had to come out of pocket for it myself.

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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I have tired many times to find out why my account is being closed I have called them I have chatted with them and no one can tell me why I have a ticket number witch is XXXX and I talked to a supervisor and she said that she don't know why my account is closing when it's in good standing I have been trying to find out but get the run around the chat people tell me that they have limited access and keep giving me the policy website or another website or tell me that XXXX from the protection department emailed me mean while I never received it the only email I got was the account will close on XX/XX/XXXX no reason why or anything

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: PA

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 consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
In XX/XX/XXXX my car was repo without no notice. I reach out in XX/XX/XXXX because I had been paying more on my car loan to let them know I lost my job and I needed to setup an arrangement. I have a disable son and wasn't making a lot and just gotten a job offer for XXXX. I spoke to an agent they ensured me my acc was setup to pay on XX/XX/XXXX. I even set up a catch up plan in my portal. For the following month to make small payment. On XX/XX/XXXX I believe I get a text that my car has been assigned to repo. I got off late and call ally with no answer. I figured I'll call in the morning to sort it out just to see my car was gone shortly after the text was receive. I have not received not letter or no inquiry that this would happen because I had an arrangement set up and was due to make my first pmt XX/XX/XXXX. I called and was constantly hung up on by reps multiple times as soon as I gave my info as if I was banned from calling which is recorded. I couldn't find out any information. I used my sister phone to call and was put right through to an agent who hung up once I provided my info. Finally I spoke to someone with a nasty demeanor. I ended up paying for getting my car back with no explanation. A rep said I haven't reach out to them since XXXX of XXXX which was not true. I have all the evidence and thinking about legal actions. Not only that buy my car was damaged at the repo place.

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: CA

Complaint narrative:
It has been some time since the credit reporting agency has been reporting this inaccurate information on my consumer report, and since it is illegal to report on transaction history and they knowingly and willfully violated my right to privacy. I am seeking monetary damages! and for this account to be update with no history transaction- so its to be updated to show paid as agreed. Or removed from my consumer 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 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been some time since the credit reporting agency has been reporting this inaccurate information on my consumer report, and since it is illegal to report on transaction history and they knowingly and willfully violated my right to privacy. I am seeking monetary damages! and for this account to be update with no history transaction- so its to be updated to show paid as agreed. Or removed from my consumer 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

The fraudulent, inaccurate, and false information consists of the following accounts : A personal credit card account opened at XXXX XXXX XXXX on XX/XX/2024, under the account number ( private ). 

These accounts have resulted in several fraudulent hard inquiries and collections entries appearing on my consumer XXXX credit report. Attached to this complaint is : A list of the hard inquiries in question, as documented in the attached consumer credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the aforementioned accounts or hard inquiries as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. These are the result of identity theft and fraud, as documented in the attached FTC Identity Theft Criminal Complaint # XXXXXXXX  from the U.S. Federal Trade Commission. 

Under penalty of perjury, I affirm that the information provided in this complaint is true and correct. I urge you to take immediate action to block these fraudulent entries as required by the FCRA and notify me of the outcome of your investigation.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TN

Complaint narrative:
My loan servicer is Mohela and in summer XXXX they underwent a platform transition as they moved their online portal to mohela.studentaid.gov. I submitted my XX/XX/XXXX payment via check since my portal was unavailable. I sent it on XX/XX/XXXX to the address provided to me by customer service : XXXX XXXX XXXX - Mohela, XXXX XXXX XXXX, XXXX XXXX, MO XXXX. My bank statement shows that Mohela deposited this check on XX/XX/XXXX. On my bill due date XX/XX/XXXX I had access to my portal and my account showed my payment as past due. 

I called Mohela on XX/XX/XXXX and provided copies of the check I sent as well as my bank statement. I have called countless times to follow-up on the status of the processing of my payment. I have been told wait times ranging from 14 to 90 days. On XX/XX/XXXX I was told that the original ticket type my problem was submitted under on XX/XX/XXXX was incorrect and had to be resubmitted. I have waited on hold on average XXXX hours each time to wait to speak to an advanced representative who can provide no guidance and only states that I have to wait for accounting adjust my account. This delay is costing me a valuable month towards my Public Service Loan Forgiveness count. This processing time for reflecting a simple one-time payment by check is unacceptable.

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 filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, violating 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I believe I am being retaliated against for exercising my rights, Equifax has failed to do as I requested upon my notifications This is a violation pursuant the fcra

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

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees apply to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delay, postings of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB which identify similar practices by Navy Federal where are 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: 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 express concerns regarding Zelle 's mishandling of disputes, particularly in 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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 appropriate redress for these violations.

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: MN

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