vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: FL

Complaint narrative:
. 
I feel I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 

On Date XXXX XXXX for {$990.00} I never opened this account when I contacted the company they didnt have all my information and they originally set it up as a payment plan the credit bureau delete the payment plan because it was fraudulent but they never delete the account I also have two bankruptcy with the same account number on my credit report a XXXX  XXXX Bankruptcy was placed on my credit report and I contacted the court and they said they never release any information to the credit bureau and they have two different dates for one bankruptcy with the same account number XX/XX/XXXX and 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 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
Genesis XXXX XXXX XXXX is reporting three separate accounts on my credit reports. I have disputed these accounts over and over, demanding physical proof of debt validation. Ive requested a direct consumer agreement between myself and genesis XXXX XXXX XXXX, proving I gave them permission to obtain my personal information and using it to make a profit for their company. Ive demanded a paper trail of their dispute process that shows this is my debt. Ive disputed this collection account with experian multiple times, in which XXXX responded this account has been verified and will remain on your credit report. XXXX and genesis XXXX XXXX XXXX has failed to provide me with any proof that an investigation occurred and the proper steps that were taken to validate this debt. XXXX was recently sued by the CFPB for their counterfeit actions with consumer disputes. I want these collection accounts deleted immediately for violating federal laws and my consumer rights.

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: 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: FL

Complaint narrative:
I am filing this complaint against TransUnion for its failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding inaccurate accounts on my credit report. Despite my previous efforts to dispute these inaccuracies directly with TransUnion, they have failed to take appropriate corrective actions as mandated by law. 

TransUnion has failed to ensure maximum possible accuracy in its reporting, as required under 15 USC 1681e ( b ).

TransUnion has not conducted a reasonable investigation into my disputes, violating 15 USC 1681i ( 5 ).

Outdated or unverifiable information has not been removed from my credit report in compliance with 15 USC 1681c ( c ).

I have submitted a dispute letter to TransUnion, identifying specific accounts that are inaccurate, outdated, or unverifiable. TransUnion either failed to provide adequate documentation verifying the accuracy of the accounts or refused to remove the disputed information despite lacking sufficient evidence of its validity. 

TransUnions failure to comply with the FCRA has negatively impacted my financial well-being in the following ways : Denial of credit applications ; Higher interest rates on loans and credit products.

Emotional and financial distress caused by persistent inaccuracies.

I request the CFPB to : Investigate TransUnions handling of my disputes.

Enforce the removal of inaccurate, outdated, or unverifiable information from my credit report in compliance with the FCRA. 
Require TransUnion to provide written verification of all corrections made to my credit report. 
Impose penalties, if necessary, to ensure compliance with federal law and prevent further harm to consumers.

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: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I went to a Santander atm to withdraw funds all was going well until it was time for my funds to be dispensed I got an error message saying that there was a problem dispensing my bills I hit OK and that was it. The money never came out. I checked my account and the money was withdrawn from my account. I called Santander. They told me to call my bank.

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: 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 protections 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 E lectronic Funds 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX has failed to fulfill its obligation under the Fair Credit R 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 midland credit management 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 midland credit managements actions violate federal laws and my rights as a consumer. Midland credit management has also violated the FDCPA my misrepresentation of this debt and harassment. This collection agency keeps mailing me invoices that are disguised as checks or high quality envelopes that look like high quality holiday greeting cards. I have asked them to stop their communications with me until they can send me a copy of their dispute process and how they validated this debt. Ive also asked them to send me a copy of a direct consumer agreement, bearing my wet signature, in which I agreed on receiving services from midland credit management.

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

Complaint narrative:
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 2025-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AL

Complaint narrative:
Every time I try to file a dispute with Cash app, they always close my dispute. Ill never get anything resolved. I had to close accounts open up new accounts a couple of years ago. There was nobody there at Cash app to really take a phone call and when I try to file a dispute duty app, I always used to get an email back saying that my account is going to be closed and I never even get my money

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: IL

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues which may violate the Electronic funds transfer ac ( 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: NV

Complaint narrative:
Vance and Huffman agency lies. They do NOT tell the truth. They do not safeguard privacy. They have NOT protected any data collected by themselves commiting mishandling and fraud, as well as disrespecting the preferences of consumers regarding the use of their information.Never mind you the fact I have never even heard of the company they are collecting for. Of course they do not have the purchase agreement. They also have sent off my information for some other company to handle it yet they are the ones fraudulently reporting. Other than that along with letters ignored, I've spoken with them twice too many times, They have ignored the fact that anything having to do with ANYONES debt they are trying to collect on from the company XXXX is being done so Illegally. 
The CFPB on XX/XX/XXXX2023 found that XXXX engaged in unfair acts and practices in violation of the Consumer Financial Protection Act of 2010 as well as finding that XXXX violated Regulation M, which implements the Consumer Leasing Act. The order permanently bans XXXX from offering or providing consumer leases and requires XXXX to release all consumers with existing lease agreements from their leases and to allow them to maintain the leased products with no further financial obligation. The docket number is 2023-CFPB-0010. There should be compensation for the fraud, defamation and the hurt to my credit report.

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 service problem — 
Company: Block, Inc.
State: OH

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a notification telling me I was sent zelle payment on XXXX XXXX2025. I contacted them about not receiving the money to my account and they told me there was nothing they could do on their end. I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Thursday XX/XX/year> : direct deposit from employer was not deposited. Bank sent email to say deposits would be there by Friday morning Friday XX/XX/year> : funds still not available by end of business day. As of now, XXXX XXXX time they are not available. Account is now negative.

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: IL

Complaint narrative:
Request for Refund of Unauthorized Zelle Payment To whomever it may concern, I am writing to formally request a refund for a Zelle transaction that was sent to the wrong recipient on [ date of transaction ]. Despite promptly notifying your team of the error and providing all relevant details, the situation remains unresolved. I followed all necessary steps to correct this mistake, yet no corrective action has been taken. Given the circumstances, I respectfully request that you investigate this matter and process a refund for the incorrect transaction as soon as possible. Your prompt attention to resolving this issue is greatly appreciated. 

Sincerely, XXXX XXXX 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: Block, Inc.
State: CA

Complaint narrative:
I am writing to formally complain about my experiences with Cash App, particularly regarding the lack of refunds and the blocking of my account after I raised multiple complaints. 

I initiated several transactions that either did not go through or were charged for services I did not receive. I contacted Cash App support multiple times to request refunds, but my requests were either ignored or met with vague responses. 

After my numerous attempts to resolve these issues, my Cash App account was unexpectedly blocked. I believe this action was taken as a direct result of my complaints regarding the unresolved transactions. Since the blocking, I have been unable to access my funds or receive any further assistance. 

Despite my repeated efforts to communicate my concerns, I have not received satisfactory resolutions or clear answers. I believe that my experience with Cash App reflects a troubling pattern of customer service issues that other users should be aware of. 

I would like the Consumer Financial Protection Bureau ( CFPB ) to publish this description on consumerfinance.gov to inform others about my experience with Cash App.

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: VA

Complaint narrative:
This is in regards to the how Zelle has been handling disputes. I reported disputes in the past and they were not handled properly. I was told that I could not get my money recovered. According to CFPB Zelle has not been able to protect us but has also been allowing other folk to exploit the system, leaving myself and other folk open to scam. This is a major red flag! My transactions arent even showing up

Company response to consumer: Closed with explanation
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: NV

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 2025-01-18 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. Futhermore, 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 readdress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Have money sent to me sent proof and still never received it

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: MD

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 ( 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: 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 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 unfeasible. The CFBS 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My card from XXXX XXXX XXXX was charged multiple times from an unauthorized merchants and people from different states and also had money that I sent out I never could get back. For my chase bank I got charge for things I didnt know about as well and c

Company response to consumer: Closed with explanation