vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have a car loan with Westlake Financial. They are very aggressive in attempting to bring me current. My payment is 5 days late and they have called me 23 times in the last 5 days. They have also sent emails and push notifications from the app. I believe this is harassment and there's no reason to reach out this much. I understand my payment is late and arrangements are being made to get current, however, the excessive calls are unnecessary and I have been told previously that even with a payment arrangement I would still end up getting automated calls and probably emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally report an alarming incident regarding a failed ATM transaction that resulted in funds being debited from my international bank account without receiving the corresponding cash. 

On XX/XX/year>, I attempted to withdraw funds from my international non-Chase bank account at a Chase ATM. After the ATM withdrew the funds from my account and emitted a whirring noise as if preparing to dispense cash, it released my card but failed to provide the cash. Instead, I received only a receipt confirming the withdrawal of funds, accompanied by a note stating the machine could not complete the transaction. At no point was I given the option to cancel or stop the transaction.

I have confirmed with my overseas bank that the funds were indeed debited from my account. In response, I visited a Chase branch and spent approximately two hours on the phone with Chase customer service, the complaints department, and the escalation team. Despite my efforts, Chase has refused to refund the debited amount or provide written guidance or contact information to assist my XXXX XXXX in navigating the American banking system. Furthermore, Chase declined to review the ATM video footage or share the recorded phone call with me. During this process, a Chase representative abruptly hung up on me. The only contact number provided for my bank to reach Chase was an XXXX number, which is inaccessible from XXXX, despite my clear indication of this issue. Additionally, Chase has failed to inform me of my consumer rights in this situation. 

As I am due to travel overseas tomorrow, I am extremely concerned that my XXXX XXXX may not be able to file a formal complaint in time. This situation, where I am being denied my rightful funds, constitutes a serious breach of consumer protection and can only be described as theft by Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 an adequate customer service and unfair practice, 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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience inconvenience and financial loss, and I seek appropriate readdress for the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: CA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate.

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 2025-01-22 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: CA

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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:
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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 l seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 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 2025-01-22 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: NC

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: OH

Complaint narrative:
Accounts associated with my name and personal information were compromised during a recent data breach.

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 2025-01-22 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: IL

Complaint narrative:
I am a victim of identity theft, and Experian has failed to fully comply with FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which mandates the removal of all fraudulent accounts from my credit report within four ( 4 ) business days upon receipt of proper documentation. 

I first submitted my dispute on XX/XX/XXXX, providing all required documentation, including : FTC Identity Theft Report Government-issued ID Proof of Address Detailed Dispute Letter After no action, I followed up via phone on XX/XX/XXXX, and was falsely informed that Experian had not received my documents. To ensure compliance, I resubmitted my dispute on XX/XX/XXXX, again uploading all required documentation via CFPB. However, on XX/XX/XXXX, I received an email from Experian falsely claiming that no supporting documents were received. 

Experian partially resolved my dispute by removing some fraudulent accounts, including XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  ( XXXX accounts ), XXXX XXXX XXXX and XXXX  XXXX. However, they failed to remove the following fraudulent accounts, which were part of the same claim : XXXX ( {$400.00} ) XXXX ( {$500.00} XXXX XXXX XXXX XXXX ( {$130.00} ) XXXX XXXX ( {$1000.00} ) Experians inconsistent handling of my dispute demonstrates negligence, stalling tactics, and a misuse of their authority. Their selective compliance is arbitrary and directly violates FCRA Section 611 [ 15 U.S.C. 1681i ], which requires a reasonable reinvestigation of disputes. Experian has caused significant financial harm and emotional distress by failing to fully resolve this matter and forcing me to repeatedly submit 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 explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
This letter serves as a fourth notice that the reporting of certain charge-offs and closed accounts on my credit report is inaccurate and unverifiable. Furthermore, your failure to ensure compliance with the Fair Credit Reporting Act ( FCRA ) constitutes negligence, as defined under 15 U.S. Code 1681o, which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure, as well as reasonable attorneys fees and costs. 
Specifically, the following accounts are being reported inaccurately : Account Name : XXXX  XXXX Account Number : XXXX Issue : Duplicate entries of being reported as a charge off for more than XXXX year. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Issue : This account was paid & closed but is reporting as a charge off. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Issue : Duplicate entries of being reported as a charge off for more than XXXX years. 

Account Name : XXXX XXXX Account Number : XXXX Issue : This account is reporting XXXX late payments but was in fact paid, closed and never late. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : This account is reporting XXXX late payment but was in fact paid, closed and never late. 

Violations and Negligence Despite the FCRAs requirement under 15 U.S. Code 1681i to conduct a proper investigation of disputed information, your agency/organization has failed to : Accurately investigate and correct the reported information. 
Provide complete and verified documentation proving the accuracy of the accounts in question. 
Ensure compliance with FCRA requirements to report accurate and complete information under 15 U.S. Code 1681e ( b ).

Your negligence in maintaining and verifying accurate information has caused damage to my creditworthiness, including denial of credit, increased interest rates, and financial distress.

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 2025-01-22 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: MI

Complaint narrative:
Hello I recently signed up for Experian in 2020 thinking it would help my credit score and I disputed a few things on my account only not to be changed also they were running other reports I had know notice of. I reach out to them to get things fixed and nothing g was done.

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 2025-01-22 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 formally express my concerns regarding Zelles 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 infeasible. 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 raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank charged me overdraft fees even though I did not consent to overdraft protection that such protection was applied to my account. I was charged XXXX overdraft fees of {$36.00} each on XX/XX/XXXX. I was charged an overdraft fee of {$36.00} on XX/XX/XXXX. I was charged an overdraft fee {$36.00} on XX/XX/XXXX. 

I called US Bank today, XX/XX/XXXX, and spoke to a representative from US Bank. I told the representative I did not consent to overdraft protection that such protection was applied to my account. The representative told me the overdraft fees will not be waved.

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 2025-01-22 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was charged unnecessarily for over draft fees, and setup to have to pay extra 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KS

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 XXXX financial loss, and I seek appropriate redress ( 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 2025-01-22 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: IL

Complaint narrative:
the company has removed it several times, and they keep reputting it on my credit every 90 days destroying my credit score. i lose XXXX points everytime they do this Company responded Status Company responded on XX/XX/year> Response Type Closed with explanation Company 's Response Please allow this correspondence to serve as the formal response for XXXX XXXX XXXX XXXX ( XXXX ) to the complaint filed by XXXX XXXX ( Consumer ) as referenced in CFPB Case # XXXX. After a thorough review of XXXX XXXX account, we have verified and can confirm that as of today XX/XX/year> we have submitted a request for tradeline deletion to all the major credit bureaus including XXXX. We would like to ask XXXX XXXX to allow a couple of weeks to re-review her reports to confirm the updates have taken place and if she experiences any additional issues, we encourage her to reach out to our office by any of the following methods : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. XXXX XXXX : XXXX Email : XXXX. This communication is an attempt to collect a debt. Any information will be used for that purpose. XXXX XXXX, XXXX everytime, this was found to be fraudulent and they removed and investigated. also transunion should know better for alowing them to keep doing this. here is a copy of what they sewnt through the CPFB the first few times. they are being illegal and sneaky i also have on my credit to call befor opening any 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 non-monetary relief
Consumer complaint received 2025-01-22 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: PA

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