vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am finally against Cash app ( Block, Inc. ) due to inadequate customer service and art failed practice, which ballet, the consumer financial. protection act ( CFPA ) Specifically, cash app failed to take timely, and effective measures to prevent and address fraud on their platform account, 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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Dear Equifax I am writing to formally request the immediate deletion of a fraudulent account that has been opened in my name. The details of the account are as follows : I discovered these fraudulent accounts and believe they were opened without my knowledge or consent. I am a victim of identity theft, and I take this matter very seriously.

To support my claim, I have attached the following documents : 1. A copy of my government-issued identification 2. A copy of a FTC report filed regarding identity theft 3.Social Security card 4. Utility bill I kindly ask that you conduct a thorough investigation into this matter and remove the fraudulent account from your records. Additionally, I would appreciate receiving confirmation of the account 's deletion and any steps taken to ensure my personal information is protected. 

Thank you for your prompt attention to this matter. If you require any further information or documentation to assist in the investigation, please do not hesitate to contact me using the information provided above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
Ian filling out 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 fraud on their platform leveling my account vulnerable and unprotected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
The reporting agency & the financial institution has failed in protecting my right to privacy. The financial institutions did not disclose that they were going to share my nonpublic information with any third party. Nor did the credit reporting agency do the proper investigation before reporting my private information, knowingly and willfully reporting illegal transaction history on to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

Complaint narrative:
The reporting agency & the financial institution has failed in protecting my right to privacy. The financial institutions did not disclose that they were going to share my nonpublic information with any third party. Nor did the credit reporting agency do the proper investigation before reporting my private information, knowingly and willfully reporting illegal transaction history on to my consumer report

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 2025-01-19 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: MO

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 Loud postings of charges and credits. This issue aligns with the recent CFPB Findings against Navy Federal For similar practices, Were transactions settled with insufficient balances Despite initially available funds. I believe hes 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Blow 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 requirement 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewd my credit report and I noticed that their was a few address as well as names similar to my name that I didn't recognize so I contacted the credit bureau and reported the address as well as names that reporting to my credit report, When I finally spoke to someone before explain my problem after I gave the rep the inaccurate information that'd reporting on my credit report I was told that the address, the names was link to some accounts that I wasn't aware of .So I was told that the creditor had to delete the accounts that the address are tied to in order for them to remove the addresses that I ; ve never been associated with or lived at which isn't fair because I've no knowledge of these address listed below or the accounts that these address or tied to .I also attached a copy of my Experian profile with these address Address XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA 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 2025-01-19 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: TX

Complaint narrative:
Writing to understand & express my concerns regarding Zelles handling of disputes, especially in the light of the recent CFPB lawsuit highlighting significant issues with the platform! Despite using Zelle numerous times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. They informed me covering my lost funds was impossible & that tracking these transactions was unfeasible! CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Re : Cease and Desist Request Account Number [ XXXX ] [ LVNV Funding LLC/ ] Resurgent Capital Services L.P. ( Resurgent ) is the servicer of the Account, I am writing to formally request that you cease and desist all communications with me regarding the account referenced above. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692d. 
Under 15 USC 1692d, debt collectors are prohibited from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with the collection of a debt. I find the continued communication from your agency to be distressing and unwanted.

Please be advised that I request no further communication from your office except for written correspondence related to legal actions or responses to this request. Any documentation or further communications should be sent to the address you have on file.

Should you fail to comply with this request, I will have no choice but to file a complaint with the Consumer Financial Protection Bureau and explore other legal remedies available to me under the FDCPA.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
This is XXXX XXXX cash app closed my account for no reason saying my account was having suspicious activity on my cash app and you couldnt talk to a real customer service person they couldnt tell me why my account was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc.
State: PA

Complaint narrative:
Well they have a charge off in XXXX that I have not received the 1099C from them and I have requested. It is now XXXX tax year and they are still reporting this account as a charge off. That is fraud. If you charged the debt off then it is gone.Thats Fraud. They report to all 3 credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you XXXX, Equifax, and XXXX credit reporting agencies block information appearing on my consumer credit report that is the results of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccuracies and false information consists of credit cards and vehicle loans opened in XXXX, XXXX, and cards from XXXX XXXX. These accounts which I've attached below resulted in several fraudulent collection calls and collections appearing on my consumer FICO credit report. I do not recognize he mentioned accounts, collections as well as hard inquiries. I have also attached a copy of the FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, are a result of the identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA section 605B ( 15 U.S.C section 1681c-2 ) that you XXXX, XXXX, and Experian credit reporting agencies block information appearing on my consumer credit report that is the results of Identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccuracies and false information consists of credit cards and vehicle loans opened in XXXX, XXXX, and cards from XXXX XXXX. These accounts which I've attached below resulted in several fraudulent collection calls and collections appearing on my consumer FICO credit report. I do not recognize he mentioned accounts, collections as well as hard inquiries. I have also attached a copy of the FTC identity Theft Criminal Complaint Ref # XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, are a result of the identity theft and fraud.

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I initially filed my dispute XX/XX/XXXX with all bureaus I respectfully gave them a identity theft report and police report as well. I explained I was XXXX  when these accounts were open as well as fraudulent transactions they removed 10 or 11accounts that couldn't be verified do to the fraud but left several accounts based on the same Identity theft and police report saying they were verified. Experian left 5 accounts XXXX XXXX {$1500.00}. XXXX {$2800.00} XXXX XXXX {$8500.00}XXXX XXXX {$1400.00} XXXX {$520.00}. XXXX did the same thing but only left XXXX accounts XXXX XXXX {$1500.00}. XXXX {$2800.00} and XXXX XXXX {$8500.00}. None of these accounts were verified. I continued to send dispute letters from XX/XX/XXXX and other Dating XXXX and XX/XX/XXXX of XXXX even online disputed over a month ago and just recently disputed with both bureaus XX/XX/XXXX for the same issue. They continue to tell me to get in contact with the creditor they cant get a contract I explained it's suppose to be in my file sources what ever they used to place the information on my credit.

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 2025-01-19 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:
Was being charged overdraft fees from Navy Federal Credit Union unlawfully

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have had two incidents with Cash App. I use Cash App as a source of Income money for my business AJ Sweets I couldve easily lied and said I do not do business, but I did the things the right way two times I was hacked to my account and fraud was committed into my account the first time nothing couldve been done the second time it happened. I was XXXX and asked to speak to a representative via chat. They told me they didnt have a phone number for Cash App but it was chat. Only I asked for my money back. It was denied so then I got more pist and said why do I have to continue with this and pay somebody else elses errors? I waited a few days almost a week and enter the chat again and ask for my money back then it was a hold on my account for XXXX or XXXX business days. They verified my account I had to send information regarding my drivers license I did all that after that they helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am fiing 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists

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 2025-01-19 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: SC

Complaint narrative:
I am writing this as a formal complaint regarding multiple overdraft fees while there was sufficient funds available.This issue seems consistent with findings report to CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation