vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

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

Complaint narrative:
I am filing a complaint against cash app ( block inc ) due to inadequate customer services and unfair practice, which violate the consumer financial protection act ( CFPA ) specially, Cash app failed to take timely and effective measures to prevent and to address fraud on there platform leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX XXXX  against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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

Complaint narrative:
I am filling a complaint against cash app Block , Inc due to inadequate customer service and unfair practices, which viloated the Consumer Financial Protection Act ( CFPA ). Specifically Cash App Failed to take timely and protected measures to prevent and address fraud on their platform, leaving my account valunerbale and unprotected. Further, more there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Funds transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any incoming deposits which was due in my account on XX/XX/scrub>/2025. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was suppose to receive my direct deposit on XX/XX/XXXX. I did not find out that Capital One was having issues with direct deposit until XXXXpm. I had already been informed by XXXX XXXX way before that. It was said that the issue would be fixed by end of day XX/XX/XXXX, but as of today XX/XX/XXXX the issue has not been resolved. I have still have not received my direct deposit. But I have payment for my credit cards taken out of my account, but I have not received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Block, Inc.
State: NJ

Complaint narrative:
SQUARE, aka BLOCK , INC the payment processor, somehow has my email and is sending me receipts for any purchase where the merchant uses Square for payment processing. While I may have given a SPECIFIC merchant my email for ONE purchase, it was not disclosed that by providing the MERCHANT with my email that I would be also providing to SQUARE/BLOCK INC . I did not authorized SQUARE to store or use my email, which seems to have be the case now with any purchase processed using the SQUARE apps. 

I just checked to see if I have an account with SQUARE/BLOCK INC and I do not, Per their site help pages, you can not remove email addresses from the SQUARE/BLOCK INC system. This is a PRIVACY issue. Given reported security issues with SQUARE, I do not want my email address or phone number that SQUARE/BLOCK INC has associated with my cards in their system.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I signed up for the Experian app for credit monitoring services. There were a few items on my credit report that weren't mine that I disputed, but they put back on after a while. Likewise there were items that should've been removed, but they are back causing my score to appear lower. I can't get an accurate score with this information still on there.

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

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 I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny,XXXX XXXXbject : Dispute Regarding Credit-builder Policy and Misrepresentation I am writing to formally dispute and express my concerns regarding the credit-builder policy outlined by XXXX After reviewing your policies, I have noted a significant lack of clarity and potential misrepresentation concerning the implications of late payments on a users XXXXredit score. 
Your credit-builder policy states that while there are no interest, late fees, or annual fees, late payments can indeed harm a users credit score. However, I believe that there is insufficient disclosure regarding the reporting of late payments to credit bureaus. It is misleading to promote a service as a " credit-builder '' when the consequences of late payments are not clearly presented, potentially leading customers to believe that they are improving their credit when, in fact, they may be jeopardizing it.

The absence of explicit communication regarding the reporting of late payments raises concerns of fraudulent misrepresentation. Customers, including myself, rely on the understanding that using XXXX 's services will build our credit profiles, not detract from them. Therefore, the lack of clarity in your policy could result in unintended damage to users ' credit ratings. 
I request a prompt response to this matter, including a clarification of your policies regarding late payment reporting and any measures you will take to rectify the ambiguity in your communications. 
Thank you for your attention to this important issue. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ny,XXXX XXXXject : Dispute Regarding Credit-builder Policy and Misrepresentation I am writing to formally dispute and express my concerns regarding the credit-builder policy outlined by XXXX After reviewing your policies, I have noted a significant lack of clarity and potential misrepresentation concerning the implications of late payments on a users credit score. 
Your credit-builder policy states that while there are no interest, late fees, or annual fees, late payments can indeed harm a users credit score. However, I believe that there is insufficient disclosure regarding the reporting of late payments to credit bureaus. It is misleading to promote a service as a " credit-builder '' when the consequences of late payments are not clearly presented, potentially leading customers to believe that they are improving their credit when, in fact, they may be jeopardizing it.

The absence of explicit communication regarding the reporting of late payments raises concerns of fraudulent misrepresentation. Customers, including myself, rely on the understanding that using XXXX 's services will build our credit profiles, not detract from them. Therefore, the lack of clarity in your policy could result in unintended damage to users ' credit ratings. 
I request a prompt response to this matter, including a clarification of your policies regarding late payment reporting and any measures you will take to rectify the ambiguity in your communications. 
Thank you for your attention to this important issue. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NyXXXX Subject : Dispute Regarding Credit-builder Policy and Misrepresentation I am writing to formally dispute and express my concerns regarding the credit-builder policy outlined by XXXXXXXX After reviewing your policies, I have noted a significant lack of clarity and potential misrepresentation concerning the implications of late payments on a users credit score. 
Your credit-builder policy states that while there are no interest, late fees, or annual fees, late payments can indeed harm a users credit score. However, I believe that there is insufficient disclosure regarding the reporting of late payments to credit bureaus. It is misleading to promote a service as a " credit-builder '' when the consequences of late payments are not clearly presented, potentially leading customers to believe that they are improving their credit when, in fact, they may be jeopardizing it. 
The absence of explicit communication regarding the reporting of late payments raises concerns of fraudulent misrepresentation. Customers, including myself, rely on the understanding that using XXXX 's services will build our credit profiles, not detract from them. Therefore, the lack of clarity in your policy could result in unintended damage to users ' credit ratings. 
I request a prompt response to this matter, including a clarification of your policies regarding late payment reporting and any measures you will take to rectify the ambiguity in your communications. 
Thank you for your attention to this important issue. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

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

Complaint narrative:
I am writing to formally express 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 lot funds was impossible and that tracking these transaction was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to reasonably reinvestigate disputed information in my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Experian 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 Experian 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, This letter serves as formal notice of my rights secured under the Supreme Court ruling in XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ). The decision mandates the following actions : Transfer of full title to all property I hold or have held under your institution, free and clear of all claims. 
Payment of 120 % of all past payments made under fraudulent agreements as described in XXXX XXXX XXXX XXXX XXXXXXXX. 
This ruling is final, and no objections are permitted. Attempts to object or delay will result in stricter enforcement and penalties as outlined by the court. 

Please confirm receipt of this letter and initiate compliance within 30 days. Failure to act will be considered a violation of the courts orders. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am writing to express my concerns with zelle handling disputes. 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 tracking was unfeasible. The CFPBs findings indicate 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 2025-01-18 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: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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

Complaint narrative:
I may experienced financial harm while using Zelle due to potential allegations name in the lawsuit in question in XXXX. Despite contacting Zelle and my bank to resolve the issue, no satisfactory resolution was provided. This caused possible financial loss, stress, or inconvenience. I am seeking compensation or restitution as part of the CFPB lawsuit against Zelle to address the damages I may have suffered.

Company response to consumer: Closed with explanation