vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 you to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant 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 was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicated that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving the users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
I am writing to formally express my concerns regarding Zelles handling of disputes especially due to CFPB lawsuit. Despite using Zelle numerous of times and reporting discrepancies to my bank they failed to investigate and I suffered financial losses. They informed me that recovering lost funds was impossible and that tracking these transactions were not feasible. The CFPB findings indicate that Zelle has not only neglected to protect its consumers but also have allowed repeated offenders to exploit the system, leaving users like myself vulnerable to scams. The lack of accountability and transparency raises concerns about consumer safety!

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: SC

Complaint narrative:
Money that was not refunded like it was supposed to Purchases I didnt make and filed a complaint and they said it would take 45 days but never heard anything back

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I identified inaccuracies regarding late payments reported on the following account, as well as a misclassification of the creditor type. This account is an auto loan, but it has been incorrectly listed as a personal loan. 

Account Name : XXXX XXXX ( XXXX  XXXX XXXX ) Account Number : XXXX I would like to bring to your attention that I have consistently maintained timely payments on this account and have never been late. Accurate credit reporting is crucial, and I respectfully request a thorough investigation into these discrepancies. 

Please provide evidence to substantiate the late payments, such as account statements or communication from the creditor. If you are unable to verify these claims, I request that the late payments be promptly corrected to reflect their true status as on-time. Additionally, I request that the creditor type be updated to correctly reflect the nature of this account as an auto loan. 

Please address this matter within the legally required timeframe and inform me of the results of your investigation. Thank you for your prompt attention to 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
overdrafts and overdraft fees when i have funds in my account for a purchase

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize these companies to pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I did not authorize these companies to pull my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: WV

Complaint narrative:
( 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 — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
Cashapp does not have a rep you can talk to. Data Breach

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: MI

Complaint narrative:
reporting accounts are reported incorrectly. Payments are been reported as past due inaccurately. Updated info is not being updated to my credit file.

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 — Domestic (US) money transfer
Issue: Other service 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. Despite using Zelle numerous time 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 transaction was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit that systems, leaving users vulnerable to scams. This lack of accountability and raises serious concerns about consumer safety.

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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
am writing to formally express my concerns regarding XXXX 's 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 CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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: TX

Complaint narrative:
XXXX-capital one bank has not processed my direct deposit paycheck. Customer service wait times are extremely long.

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: NC

Complaint narrative:
I have file a dispute a couple of times about the same situation. XX/XX/XXXX and XXXX, XXXX. The investigation was not done properly. Experian did not investigate my dispute properly

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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I noticed a late fee was added on my account. Immediately I messaged and called them. As they told me its fraud they stated they would research things and credit my account. I called back in 2 weeks later and they stated that my account was closed and its was credited. All was handled at that point. Today I check my account and they are stating that it is a charge I need to pay, I talked to 3 different reps all telling me other infor.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My account 's been in Lost mitigation status for the last on and off year my credit report has been reported with the mortgage being late for about 7 months of that, they have used tactics of not calling me following up with any of my issues acting like my last mitigation accounts been a problem for them although it's been approved every time. Treating me very poorly and then come to find out they're the ones who are being sued for a XXXX  XXXX dollars because they released our personal information and mine was part of that, I literally can't ask for anything from them their demeanor changes as soon as I get on the phone they're rude I'm helpful and now they just sold my mortgage so before it gets old I need this corrected and so they will not work with me with anything. I followed all my obligations with them I've had to upload my applications multiple times and they say they didn't get anything although they definitely have and they've just literally done anything to make this process difficult and impossible. 

The last 6 months have been reported late they also have my balance at {$230000.00} which is when I bought the loan and even with my most recent Snapchat of the account which I'll provide because their statements aren't correct either my balance is at {$220000.00} so it's also adversely for affecting on my credit report that way as well causing me issues to obtain a vehicle on which is much needed at this point, I've already worked very hard to get a well-paying job again after dealing with lies and deception from the post office falsifying documents in my employment case, then worked for you UPS they discriminated against me my lost it's almost complete on them then I work for XXXX that lawsuits pending and almost complete as well and then I currently work for XXXX and finally a new lawsuit this continues to happen to me because I'm a person with integrity and when I speak about it to people that don't have it did you very unhanded things to me putting me in these shoes, and again places like XXXX XXXX  who do the same thing because they can't believe that somebody I know there's very few of us out there are good people.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My account 's been in Lost mitigation status for the last on and off year my credit report has been reported with the mortgage being late for about 7 months of that, they have used tactics of not calling me following up with any of my issues acting like my last mitigation accounts been a problem for them although it's been approved every time. Treating me very poorly and then come to find out they're the ones who are being sued for a XXXX XXXXXXXX dollars because they released our personal information and mine was part of that, I literally can't ask for anything from them their demeanor changes as soon as I get on the phone they're rude I'm helpful and now they just sold my mortgage so before it gets old I need this corrected and so they will not work with me with anything. I followed all my obligations with them I've had to upload my applications multiple times and they say they didn't get anything although they definitely have and they've just literally done anything to make this process difficult and impossible.

The last 6 months have been reported late they also have my balance at {$230000.00} which is when I bought the loan and even with my most recent Snapchat of the account which I'll provide because their statements aren't correct either my balance is at {$220000.00} so it's also adversely for affecting on my credit report that way as well causing me issues to obtain a vehicle on which is much needed at this point, I've already worked very hard to get a well-paying job again after dealing with lies and deception from the post office falsifying documents
in my employment case, then worked for you XXXX they discriminated against me my lost it's almost complete on them then I work for XXXX that lawsuits pending and almost complete as well and then I currently work for XXXX and finally a new lawsuit this continues to happen to me because I'm a person with integrity and when I speak about it to people that don't have it did you very unhanded things to me putting me in these shoes, and again places like XXXX XXXX who do the same thing because they can't believe that somebody I know there's very few of us out there are good people.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My account 's been in Lost mitigation status for the last on and off year my credit report has been reported with the mortgage being late for about 7 months of that, they have used tactics of not calling me following up with any of my issues acting like my last mitigation accounts been a problem for them although it's been approved every time. Treating me very poorly and then come to find out they're the ones who are being sued for a XXXX XXXXXXXX dollars because they released our personal information and mine was part of that, I literally can't ask for anything from them their demeanor changes as soon as I get on the phone they're rude I'm helpful and now they just sold my mortgage so before it gets old I need this corrected and so they will not work with me with anything. I followed all my obligations with them I've had to upload my applications multiple times and they say they didn't get anything although they definitely have and they've just literally done anything to make this process difficult and impossible.

The last 6 months have been reported late they also have my balance at {$230000.00} which is when I bought the loan and even with my most recent Snapchat of the account which I'll provide because their statements aren't correct either my balance is at {$220000.00} so it's also adversely for affecting on my credit report that way as well causing me issues to obtain a vehicle on which is much needed at this point, I've already worked very hard to get a well-paying job again after dealing with lies and deception from the post office falsifying documents in my employment case, then worked for you XXXX they discriminated against me my lost it's almost complete on them then I work for XXXX that lawsuits pending and almost complete as well and then I currently work for XXXX and finally a new lawsuit this continues to happen to me because I'm a person with integrity and when I speak about it to people that don't have it did you very unhanded things to me putting me in these shoes, and again places like XXXX XXXX who do the same thing because they can't believe that somebody I know there's very few of us out there are good people.

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: IL

Complaint narrative:
I am writing due to my concerns on Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. The 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: EQUIFAX, INC.
State: MS

Complaint narrative:
To Whom It May Concern, I am submitting this dispute in accordance with the Fair Credit Reporting Act ( FCRA ) to formally request the removal of several accounts that have been fraudulently reported under my credit profile. My identity and personal information were compromised, leading to the unauthorized opening and reporting of the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX These accounts were neither opened nor authorized by me, and their reporting constitutes a violation of my rights under the FCRA, specifically : 15 U.S.C. 1681 Section 602 ( a ) Ensuring my right to privacy and protection from inaccurate credit reporting. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent. I have attached supporting documentation for your review, including a personal statement regarding my XXXX  situation and any other relevant records to assist with the verification and removal process. I kindly request your prompt investigation and removal of these accounts from my credit profile to restore its accuracy. Thank you for your attention to this matter. Should you require additional information or documentation, please do not hesitate to contact me.

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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has failed to fulfill its legal obligations of Fair Credit Reporting 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 Experian, alleging systemic issues such as failing to forward consumer providing evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.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 the disputed accounts, as Experian inactions 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