vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-26 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: CA

Complaint narrative:
On the evening of XX/XX/year> my iphone was stolen when attending a dinner at XXXX XXXX restaurant. Unfortunately, the theif/thieves had access to my digital wallet and made an unauthorized transaction through Cash App. The same evening I was a victim of being drugged therefore the police had to be immediately involved. I reported the illegal transaction the first time to cash app on XX/XX/year>. The representative ensured that I would be contacted via email to provide additional information regarding the incident. I never received the email and no opportunity to provide document proof. I received a denial via email from cash app regarding my report on XXXX  XX/XX/year>, this decision was made without someone reaching out via email and giving me the opportunity to provide the legal documents I have..I again called cash app on XX/XX/year> to advise that I received a denial email regarding my case and never received an email. The representative advised to submit another dispute regarding the issue as they can not reopen the same. I did this and was told the same procedure that I would have an opportunity to submit documents to back up my case via email. Again, I never received an email, but I did receive another denial email XX/XX/year>. I called again XX/XX/year>, today to dispute again the denial and was told again the same loop of information, that they will send an email regarding this. I was on the phone with the representative from cash app for XXXX minutes trying to explain my frustration and hurt as this is a sensitive case for me. I have absolutely no resolution in sight with them and this is my hard-earned money that was taken. On XX/XX/year> no choice but to yet again file another new dispute. I feel absolutely insignificant, and they are not taking this case seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 2025-01-26 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: OK

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian 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, Experian '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 Experian complies with federal law and provides consumers with the necessary proof of investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding an issue I am experiencing with an American Express gift card ending in number XXXX. I received an {$800.00} gift card as a XXXX present. Despite multiple attempts to use the card for purchases, it has been consistently declined. I have verified that the card is properly activated and that all of its sufficient funds are still available. 

I have contacted AMEX customer service numerous times to resolve this issue, but my concerns have not been addressed, and I have been unable to access the funds on the card. This has caused significant frustration and inconvenience, as I am unable to use the gift card as intended. 

I am requesting the CFPB 's assistance in resolving this matter. Happy to provide more information re : the card and my information to expedite this. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: NM

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 2025-01-26 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: TX

Complaint narrative:
I HAVE RENCENTLY CHECKED MY CREDIT REPORT AND NOTICIED SOME INACCURATE ACCOUNTS REPORTING XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: SC

Complaint narrative:
The school I went to over 15 years ago closed and my student loans are still on my credit..I even trying to get them forgiven..still no answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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 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 2025-01-26 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: NC

Complaint narrative:
I filed dispute asking company to produce contract or any information showing I signed up with their company. No evidence produced. 

I am asking Experian and XXXX to provide description of how they verified accounts.

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 2025-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
For years capitalone bank cheated us by paying as low interest as .3 % in our savings account since XXXX. Even when they discontinued XXXX savings account and introduced performance savings account in XXXX that paid API of 3.8 %, capitalone continued to pay us .3 % interest. when they discontinued XXXX regular savings account, they should have offered to move our account to performance but they deliberate derrauded us by continuing to pay .2 %. The whole point of having a savings versus checking is to get a higher interest. We had XXXX XXXX during the time XXXX to XXXX. The whole point of opening a savings account versus checking account is to get a higher interest. We personally have been cheated of nearly $ XXXX if you count 3.8 % annual interest on XXXX every year since XXXX when performance savings was offered. I have lodged a complaint with capital XXXX customer service and waiting for a response. 
I learnt of this fraud from XXXX describing the lawsuit against capitalone. I checked my accounts and realized that i was XXXX of victims of this fraud. 
Kindly let me know what steps i can take to claim back interest on our savings since XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax and XXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax and XXXX XXXX XXXX violates federal law and my rights as a consumer. 
I want the CFPB to publish Equifax andhas failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed + I want the CFPB to publish Equifax and XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax and XXXX XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax or XXXX XXXX has neither corrected nor removed + + i want Equifax and XXXX XXXX to remove all collections accounts on my credit profile and update all my late payments on credit profile to reflect as current and paid as agree, in addition, my only address I use is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my only address I use on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a checking account with them. Made an account online and accessed it without issues via the mobile app. Then I received my debit card in the mail. I went to activate it online and was asked for a 4-digit PIN which I did not recall having ever made. I tried multiple different combinations and was locked out of my account. CitiBank locked me out of everything including access to the mobile app. I called their phone number and the representative asked me for my account number which I did not have and then asked me for my mother 's maiden name which apparently was incorrect. He then said I needed to go to the local branch which I unfortunately do not have time to do as their hours are very limited and my job does not allow me to go during their hours. This is all before I have even started making use of the checking account.

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 2025-01-26 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: MI

Complaint narrative:
The TransUnion and XXXX have failed to uphold the FCRA requires that charge-offs and related collection entries drop off credit reports seven years from the date of the first missed payment that led to the charge-off of my original lender. However, these entries continue to appear on my credit report, negatively impacting my financial standing. 

I have previously contacted TransUnion and XXXX credit reporting agencies to investigate my original creditor, XXXX XXXXXXXX XXXX for the XXXX in an effort to " drop off '' the old account. Unfortunately, they have concluded to keeping the collections on my report, citing the collections activity information is accurate, which is not the point. I believe this continued reporting is a violation of my rights under the FCRA. 

Moreover, XXXX did respond appropriately to the same dispute, and immediately removed and updated my credit report, on the same day of my dispute.

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 2025-01-26 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX, Account number XXXX, Amount XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Amount XXXX -- Inquires XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MO

Complaint narrative:
I am writing to formally dispute the accuracy of the following collection accounts that appear on my credit report : Fair Collections and Outsourcing Inc. {$1000.00} Date : XX/XX/year> I have reason to believe that these accounts have been reported erroneously. Each of these debts was allegedly sold to creditors of which I was unaware, and I have not signed any agreement related to these debts. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you investigate this matter and remove any unverifiable or inaccurate information 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 explanation
Consumer complaint received 2025-01-27 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a recent data breach. As a result, I request that all accounts associated with my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ). 



XXXX  XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX Bank Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : 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 2025-01-26 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: MI

Complaint narrative:
I would like you to investigate my account for overdraft fees and late fees I dont believe its fair on my behalf to have to pay extra money I dont have .. please look into my account 24 months out however far back you can please and thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AR

Complaint narrative:
I have been using CashApp for a while.. 
its been numerouss amount of time where the money I have one the app vanish the problem is I have been in situtation where I need my funds of the app, and my account balance says i have XXXX dollars, system malfuctioning ... the bad part is the automated system that they are using give you no info on whats going on its literally all automated which causes delays and innacurate accusations no customer support to talk about money cant be rite

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
An entity claiming to be Halsted Financial Services sent me an e-mail on XXXX, XXXX, and XXXX XX/XX/XXXX claiming that they have taken over my XXXX XXXXXXXX XXXX XXXX account. They claim I made a {$420.00} payment on XX/XX/XXXX and have an outstanding balance of {$1000.00}. I have never had an account with XXXX XXXX XXXX XXXX nor have I made payments in the amount shown on the date shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Subject : Urgent Request : Assistance Needed to Update Phone Number on My Coinbase Account Dear Coinbase Support Team, I hope this message finds you well. I am writing to express my frustration regarding an issue I am currently facing with updating my phone number on my Coinbase account. Despite my best efforts, I have been unable to change my old phone number to my new one through the website. 

I have followed all the available steps outlined in your help center, including trying to verify my identity and accessing my account settings. Unfortunately, I continue to encounter difficulties, and I am unable to complete the process on my end. 

As I am sure you can understand, this is a pressing matter for me, as my old phone number is no longer active, and I am unable to receive important notifications, including security codes and transaction alerts. This situation has caused me significant inconvenience and concern for the safety of my account. 

Given that I have exhausted all avenues to resolve this issue myself, I kindly request your assistance in manually updating my phone number on your end. My account details are as follows : Account Name : XXXX XXXX XXXX Old Phone Number : XXXX New Phone Number : XXXX I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance! 

Best regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation