vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 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 XXXX XXXX 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 XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leavina 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 2025-01-20 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: VA

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 XXXX XXXX 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. 
I want the

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
i WAS ASSIGNED TOXX/XX/XXXX FOR YEARS, MY STUDENT LOANS WENT BACK TO THE XXXX ''XX/XX/XXXX. I PAID THROUGH INCOME SENSITIVE PAYMENTS, WHAT STARTED OUT AS LESS THAN XXXX IN NOW OVER XXXX, I HEARS ABOUT LOAN FORGIVNESS FOR INCOME SENSITIVE LOAN REPAYMENTS, THEY AID I HAD TO CONSOLOIDATE ALL MY LOANS BY XX/XX/ 2024, NAD THAT I HAD TO AHCVE MADE A CERTAIN NUMBER OF PAYMENTS, AND THAT THEY WILL COULT TIMES WHEN I DID FORBERANCE, i ASKED THEM SEVERAL TIMES IF I COULD FIND OUT BEFORE DOINF THE CONSOLIDATION WHAT MY NUMBERS WERE, BUT THHOUGHT I WOULS BE OK BECAUSE IVE HAD THE LOANS SO LONG SO AFTER XX/XX/XXXX I KEPT CALLING BECAUDE I DID NOT HEAR FROM THEM.

FINALLEY THEY SAUIND THE CUNTERS ARE BEHIND, WE DONT HAVE YOUR COUNT, OR THE CONGRESS STOPPED THE FORGIVNESS, LOAN PAYMENT ARE HALTED NOE. 
Now I FINGD OUR THAT I ONLY HAD 262 PAYMENTS OVER THE PAST 40 YEARS, NO DISCOUSYRE FROM THEM AS TO HOW THEY COUNTED AND I CAN NOT AFFORS 743 A MONTH, I BARROWED LESS THAT XXXX. THEY SCAMED EVERYONE IN TO THIS I'm NOT THE ONLY ONE THEY CONED IN TO THIS, i MEAN WHY CONSOLIDATE, JUST COUNT, PAYMENTS AND LET ME KNOW, WHO KNOWS WHAT XXXX DDI WITH MOY PAYMENTS,, I WOULD LIKE A DISCLOSURE OF HOW THEY DETERMINED MY PAYMENTS, OR GO BACK TO NOT CONSOLIDATING THIS IS JUST NOTFAIR. THIS IS NY STUDENT LAON PROCESSOR. Aidvantage - Official Servicer of Federal Student Aid <CustomerService@aidvantage.studentaid.gov>  aidvantage.studentaid.gov>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

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 2025-01-20 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: MI

Complaint narrative:
I am writing 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 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 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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX  recent administrative proceeding ( File No. 2025-CFPB-0002 ) 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 2025-01-20 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: Rent Recovery Solutions
State: GA

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX .. account number XXXX. Due to inaccurate information and experian denied to follow up with the investigation. I was recently notified cfpb has a lawsuit pending on experian. They alleged the company of accepting unreliable information, failure to notify accurate and throughly investigated consumer dispute results. All of this alin with my issue, as experian has not attempted to remove or correct any information on my consumers report. Im requesting that this derogatory remark be removed as this has been a major impact on my chances of getting a house, a car, credit card & etc. XXXX has violated my rights as a consumer, as well as federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I filed a dispute on XXXX XXXX XXXX .. account number XXXX. Due to inaccurate information and XXXX  denied to follow up with the investigation. I was recently notified cfpb has a lawsuit pending on XXXX. They alleged the company of accepting unreliable information, failure to notify accurate and throughly investigated consumer dispute results. All of this alin with my issue, as XXXX  has not attempted to remove or correct any information on my consumers report. Im requesting that this derogatory remark be removed as this has been a major impact on my chances of getting a house, a car, credit card & etc. XXXX has violated my rights as a consumer, as well as federal laws.

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 2025-01-20 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: LA

Complaint narrative:
20 USC 1232g ( b ) Family Educational Rights and Privacy Act ( FERPA ). Protects the privacy of student education records. I have attached my credit reports in this formal complaint to prove that XXXX and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information inaccurately reported multiple student loan accounts on my credit report to XXXX XXXX XXXX, TRANSUNION INTERMEDIATE HOLDINGS, INC., and XXXX XXXX XXXX XXXX without my written consent nor did they give me a option to opt out of they reporting the Department of Education and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: LA

Complaint narrative:
20 USC 1232g ( b ) Family Educational Rights and Privacy Act ( FERPA ). Protects the privacy of student education records. I have attached my credit reports in this formal complaint to prove that XXXX and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information inaccurately reported multiple student loan accounts on my credit report to EQUIFAX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX without my written consent nor did they give me a option to opt out of they reporting the Department of Education and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: LA

Complaint narrative:
20 USC 1232g ( b ) Family Educational Rights and Privacy Act ( FERPA ). Protects the privacy of student education records. I have attached my credit reports in this formal complaint to prove that XXXX and the Department of Education are violating my rights to privacy by furnishing my nonpublic personal information inaccurately reported multiple student loan accounts on my credit report to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX, and Experian XXXX XXXX XXXX without my written consent nor did they give me a option to opt out of they reporting the Department of Education and 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 2025-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Never made any agreement with XXXX XXXX. Was never sent a tax form for the written off debt. I contacted XXXX XXXX XXXXXX/XX/year> and received a " variation '' XX/XX/year>. 

Validation has no address. It also has no birthday or social security number associated with the account. Therefore that dissatisfied your validation. 


On XX/XX/year> I asked for a debt this validation as previously stated didnt not have an address, birthdate, social security number, no form of signature, nor any type of third party release of information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX failed to provide proof of purchase from the original creditor. I need a copy of proof of purchase as well. Also in your previous letter there was minimal proof of account identification. 
I requested : Creditor 's Name and Full Address, Name of Debtor of Record, Full Account Number, Amount of Debt, Due Date of Debt, Original Charge Off or Delinquency Date, Explanation of how the Debt was calculated, Evidence that the Debt is within State 's applicable Statute of Limitation, Name of Collection Agency or Owner of Debt, if applicable, Amount Paid if Debt was Purchased, Completed and Executed Agreement, including Signature Pages, for the Debt. 

The validation also includes a description number and description of the appointment or services render. 
It also has the doctors name, doctor type, and doctor location. This violates 45 CFR 164.02 ( b ), 164.541 ( d ). This violates the minimum necessary of the XXXX Laws. There is no reason why the description code or description of the appointment should be included on this validation letter. This is personal health information and serves no purpose in assisting the debt collection process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
SECOND TIME REQUESTING A COPY OF MY CONSUMING REPORT TO NO AVAIL

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a XXXX  payment to a vendor and did not receive services. The company stated there was nothing I could do and I was not able to request a refund. Now years later, there is now a disclaimers that should have been present at the time I used XXXX  for the purchase and it just happens the XXXX  history on mu account only goes back as far as the time they've added the disclaimer to the page. I also canceled a subscription that was supposed to only be a one-time purchase in XXXX  and the monthly charges are still coming from my account. I request refund after refund and Chase says that I have to pay them to block the company from charging my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

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 38 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 2025-01-20 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 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 wss 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, I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
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 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MD

Complaint narrative:
Dear LexisNexis XXXX XXXX, I am writing to formally request the removal of adverse items from my consumer report under Section 605B of the Fair Credit Reporting Act ( FCRA ), which provides special protections for survivors of trafficking.

I am a victim of human trafficking, and the accounts and information listed below are directly associated with fraudulent activity and coercion that occurred during the period of my victimization. As required under the FCRA, I request that these items be removed from my consumer file within four ( 4 ) business days of receiving this letter, per the stipulations outlined in the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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 filling a compliant against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts in question are : XXXX XXXX XXXX amount of {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX {$880.00}

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 2025-01-20 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 Electric 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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App- To some up my experience with cash app it started well it was easy to transfer and add and deposit funds for the first year I used it. After that I began to notice I was not able to access funds at certain times and my app would close when I tried to withdraw or transfer funds. This put me at a huge disadvantage when trying to pay bills such as rent or utilities as well as me trying to sell crypto or stock I had stored on the app. I tried reaching out to the company several times but always got a kickback saying email invalid. I think its very poor customer service to not have live agents or a phone number that can be called when money is involved and your clients cant access it.

Company response to consumer: Closed with explanation