vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 I am filing a complaint against Cash App ( XXXX XXXX XXXX XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 I am filing a complaint against Cash App ( XXXX XXXX XXXX XXXX due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 red

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cawley & Bergmann, LLP
State: MA

Complaint narrative:
Today, XX/XX/year>, I received an email from an entity named " Cawley & Bergmann , LLC ''. In that email, they stated " We are trying to collect a debt that you owe to XXXX XXXX, XXXX. We will use any information you give us to help collect the debt ''. Several violations stated, in their own words, within those statements. Stating " trying to collect a debt '' on behalf of any person or entity in the XXXX XXXX XXXX XXXX requires that you have a valid instrument of indebtedness with a wet signature on it in its original form, especially in the XXXX XXXX XXXX That instrument was never presented. Stating " you owe '' to any person or entity means that those words were chosen in a manner that are beyond the exclusion of any doubt ; violating my XXXX Constitutional rights to be able to face my accuser ( XXXX XXXX XXXX  ) and my right to be innocent until proven guilty ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
According to my records, this account has been closed ; however, it is being reported as open and continues to accrue late payments and interest. This is a clear violation of federal laws governing accurate credit reporting and account servicing. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to ensure that information provided to consumer reporting agencies is accurate and complete. Reporting an account as both closed and open is materially misleading and damages my creditworthiness. 

Additionally, under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are prohibited from applying unauthorized fees or interest charges to accounts that are no longer active or owed. If this account was closed, no further interest or late payment penalties should accrue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am writing to formally lodge a complaint against Cash App regarding unauthorized transactions that have occurred on my account, which I believe violate the Consumer Financial Protection Act ( XXXX ) I noticed several transactions in my Cash App account that I did not authorize. Despite my immediate attempts to dispute these transactions through XXXX XXXX  support channels, I have not received a satisfactory resolution. I was informed that the transactions would be investigated ; however, it has been months since I reported the issue, and I have yet to receive any updates or a resolution The unauthorized transactions have caused significant financial distress, as they have impacted my ability to manage my finances effectively. I have provided all necessary documentation and evidence to support my claim, including transaction details and correspondence with Cash App support.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handlings 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 claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The XXXX  findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
Dear Consumer Financial Protection Bureau, Subject : Identity Theft and Lack of Response from Equifax I am writing to bring to your attention an ongoing issue I have experienced concerning identity theft and the inadequate response from Equifax in addressing my concerns. Despite my diligent efforts to resolve this matter, Equifax has not acknowledged or responded to my previous letters, while I have received initial responses from XXXX and XXXX. Initial letters were sent on XXXX XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers are entitled to place a fraud alert on their credit reports when they suspect they are victims of identity theft. This law mandates that credit reporting agencies, including Equifax, must take necessary steps to investigate and respond to claims of identity theft in a timely manner. 

I have completed an identity theft affidavit and an identity theft report, which I have sent to all three bureaus along with a copy of my credit report. Additionally, I included a list of past and previous letters I sent to the bureaus regarding this issue. I have also provided proof of delivery for these letters, which I sent via certified mail. 

Recently, I have discovered new inquiries on my credit reports that I did not authorize or initiate. This further exacerbates my concerns regarding the integrity of my credit information and the need for prompt action from Equifax. 

I kindly request that the CFPB investigate this matter and assist me in ensuring that Equifax complies with its legal obligations under the FCRA. It is essential that consumers are protected from the repercussions of identity theft and that credit reporting agencies fulfill their responsibilities in a timely and effective manner. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on how I can further proceed to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Subject : Identity Theft and Lack of Response from XXXX I am writing to bring to your attention an ongoing issue I have experienced concerning identity theft and the inadequate response from XXXX in addressing my concerns. Despite my diligent efforts to resolve this matter, XXXX has not acknowledged or responded to my previous letters, while I have received initial responses from XXXX and Experian. Initial letters were sent on XXXX XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers are entitled to place a fraud alert on their credit reports when they suspect they are victims of identity theft. This law mandates that credit reporting agencies, including XXXX, must take necessary steps to investigate and respond to claims of identity theft in a timely manner. 

I have completed an identity theft affidavit and an identity theft report, which I have sent to all three bureaus along with a copy of my credit report. Additionally, I included a list of past and previous letters I sent to the bureaus regarding this issue. I have also provided proof of delivery for these letters, which I sent via certified mail. 

Recently, I have discovered new inquiries on my credit reports that I did not authorize or initiate. This further exacerbates my concerns regarding the integrity of my credit information and the need for prompt action from XXXX. 

I kindly request that the CFPB investigate this matter and assist me in ensuring that XXXX complies with its legal obligations under the FCRA. It is essential that consumers are protected from the repercussions of identity theft and that credit reporting agencies fulfill their responsibilities in a timely and effective manner. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and guidance on how I can further proceed to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing complaint against cash app ( XXXX XXXX XXXX XXXX  ) 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 platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulations E XXXX actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was told by XXXX that I could not downgrade my Southwest Credit card to a no annual fee credit card, however, in writing from Chase, I received a notice from XXXX, XXXX XXXX, that I just needed to call Chase an they would be " happy to help [ me ] change my account to our no annual fee card. '' However, this appears to have been a lie by XXXX, as XXXX stated there is no way to do this. I had a no annual fee card with Chase co-branded with Southwest and despite being told in writing I could, it appears the corporate greed is so strong with Chase that they refused to do what they stated that they would do in writing.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: 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 and block Inc due to inadequate customer service unfair practices which violate the customer financial Protection Act specifically cash appeal 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 and regulation E These actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: Maximus Federal Services, Inc.
State: TN

Complaint narrative:
My student loan provider, Aidvantage, is not letting me pay my loan in full. They keep claiming they can't find my bank account or that the bank account doesn't exist. 

The bank says nothing was sent. 

I've tried paying my remaining loan ( in full ) several times now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

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. Ive already had issues in the past so I try not to use Zelle as much as I can out of fear of not receiving or delivering money. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Federated Student Loan Services
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, XXXX XXXX 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: Untimely response
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

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

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 an 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