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

Complaint narrative:
I have been with Navy Federal for over 10 years and have received thousands of dollars in overdraft fees.

I was not aware of the overdraft protection plan until after I had many overdraft fees at one time.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing regarding concerns using Zelle handling of my disputes, particularly in light of the recent CFPB lawsuit with the platform. Despite using Zelle numerous of times my financial institution and Zelle refused to investigate my claims adequately. I was informed that recovering lost funds was impossible and unfeasible. The CFPBs findings indicate that Zelle has neglected to protect comers and allow repeat offenders to exploit the system leaving me vulnerable to scams. This lack of accountability is unacceptable an has caused my family a a great deal of financial strain.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Incorrect information on your report - Discovered multiples different pieces information and multiple accounts on credit report that is fraudulent Unable to get your credit report or credit score - Having difficulty accessing XXXX credit report as well as others by means of their own website as well as through the annualcreditreport method to compare reports with other bureaus Problem with a company 's investigation into an existing problem - After a written dispute which included all information and material required by Experian they have refused to comply with my request for correction and investigation

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Late Payment on Credit Report Dear TransUnion, I, XXXX XXXX, am writing to dispute a late payment reported for XX/XX/XXXX on my XXXXXXXX XXXX  account ( Account number : XXXX ). I have never missed a payment on this account. As such, I request that you provide documentation to support the claim of a late transaction related to this account. 
If you are unable to provide proof of such a late payment, I request the immediate removal of this incorrect entry from my credit report.

Furthermore, under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late on an open-ended consumer credit account if the payment was made on time.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss.

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 with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, unauthorized transactions were made using my Chase business debit card, which I never received or activated. Despite promptly reporting the issue and providing evidence of fraudulent activity, my claim was unfairly denied. 

Timeline of Events : 1. Morning ( around XXXXXXXX XXXX  ) : I was at the XXXX XXXX  base waiting for my car purchased at the auction ( XXXX XXXX XXXX ) to be delivered. 
XXXX. Afternoon ( around XXXX XXXX XXXX : The car was delivered, and I paid for its delivery. 
XXXX. XXXXXXXX XXXX XXXX I received notifications about password changes on my Chase account that I did not initiate. 
XXXX. After XXXXXXXX XXXX XXXX I contacted Chase customer support and spent over an hour being transferred between representatives. 
XXXX. AfteXXXX XXXX XXXX : I visited the Chase branch in XXXX, where staff scanned my identification and provided a printout of the suspicious transactions. The branch manager recommended waiting for the transaction processing to complete before filing a claim. 

Key Issues : Fraudulent transactions totaling {$1700.00}, {$510.00}, {$160.00}, {$190.00}, and {$89.00} were completed in-person, which is impossible as I never received or activated this card. 
I provided Chase with all the evidence of my location at the time of the transactions, including receipts, timestamps, and proof of my presence elsewhere. Despite this, the bank disregarded my evidence. 
Attempts to block my account were reversed without my authorization. 
An unknown device was linked to my account, suggesting significant security issues. 
A transaction for {$1700.00} was approved without my involvement, despite its suspicious nature.

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: Early Warning Services, LLC
State: TX

Complaint narrative:
In XXXXXXXX XXXX XXXX  I was scammed out of {$1100.00}. The caller 's number on the caller id was from XXXXXXXX XXXX The individual over the phone stated that I had some overdraft issues with my account and they asked for me to send. That amount through Zelle. I was skeptical and I told the caller that I needed to call the police and I hung up. As I was calling, XXXXXXXX XXXX, the caller call right back and on the caller. I. D was the telephone number for XXXXXXXX XXXX The caller stated that he worked for XXXXXXXX XXXX. He was in the bank and needed to make this correction on my account. In order to do that, I needed to send the {$1100.00} via Zelle. I contacted. XXXX once it took place, and they stated that they could not refund my money at this time. At the time, there was no disclaimer about making sure that this was correct person and that I knew the person I was sending the money too. My money was never refunded by Zelle or XXXXXXXX XXXX. PLEASE help me. Thank you.

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: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, and XX/XX/year>, I contacted Cash App to dispute a charge of {$1200.00} made to XXXX XXXX XXXX for a reservation at XXXXXXXX XXXX XXXX that I had canceled. The merchant, XXXX, had promised a refund, but I never received it. 

Despite providing evidence of the cancellation, Cash App denied my dispute and claimed that no error occurred. On XX/XX/year>, I requested the documentation they used to make their decision, but the information provided was incomplete and did not justify their denial. 

In addition to refusing the refund, Cash App also permanently closed my account, citing a violation of their Terms of Service. They did not provide any specific reason or evidence for this closure, and I was not given the opportunity to address or resolve any alleged issues. 

As a result of their actions, I have been unable to recover the {$1200.00} from XXXX, and I have lost access to my Cash App account and its features. This has caused significant financial and emotional distress. 

I am seeking a resolution that includes the refund of {$1200.00}, an investigation into Cash Apps handling of this dispute and account closure, and additional compensation for the harm caused by their mishandling of this matter.

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: KY

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuits highlighting significant issues with the platform. Despite of using Zelle numerous of times and reports, my financial institution and Zelle failed to investigate my claims. They said that recovering funds was impossible. The CFPB findings indicates that Zelle has not only neglected to protect consumers but has also 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 an 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently discovered several unauthorized accounts and transactions on my credit report that were created or used without my knowledge or consent. After further investigation, I determined that these fraudulent activities were the result of identity theft, likely linked to the Equifax data breach. The accounts in question were reported under my name and appear on my credit report as open or closed but with balances or activities that I did not authorize. 

To address this, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) and have enclosed a copy along with this correspondence. I also reviewed my credit reports, highlighted the fraudulent accounts, and am now formally requesting their removal in compliance with 15 U.S. Code 1681c-2. This law requires credit reporting agencies to block fraudulent information from a consumers credit report no later than four business days after receiving proof of identity, an Identity Theft Report, identification of the fraudulent information, and a consumer statement confirming the fraud. 

I am asking for a thorough investigation and the blocking of these accounts, as required by law, and request that I am notified in writing with the results of your findings and actions taken. If any company claims these accounts are valid, I request proof of their investigation and verification.

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: Block, Inc.
State: PA

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

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: MI

Complaint narrative:
Dispute and Request for Update of Personal Information I am submitting this complaint against Experian Credit Reporting regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, while my credit report shows an outdated address of. 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. I request that my current address be updated accordingly. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 


Request for Confirmation : I request that Experian Credit Reporting investigate this matter and provide me with written confirmation once the updates have been made. Additionally, I would like to receive an updated copy of my credit report reflecting these changes. 

Contact Information : Should you require any further information or documentation, please do not hesitate to contact me at XXXX or via email at XXXX Thank you for your prompt attention to this matter.

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 — 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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
They did not properly investigate the matter of my case and dispute when against standard of hate discrimination and etc

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 — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
JPMCB CARD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Information on Debt Account # unknown Dear XXXX XXXXXXXX auto I am writing to request the following information regarding the debt account referenced above. In order to properly assess my situation and ensure accuracy in my records, I kindly ask that you provide the following details related to this debt : The date of my last payment on this account. 
The date the account was charged off. 
The date the account was first reported as delinquent. 
Please provide this information in writing at your earliest convenience. I am not disputing the debt at this time, but I would appreciate your prompt attention to this matter. 

Thank you for your cooperation. Should you require any further information, please do not hesitate to contact me. A charge off can not be collected as it was transferred to a trustee and can not be transferred back. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Not sure of exact dates but I have had student loans since 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

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 not protected even more 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I was charged overdraft fees because of late payments posted to my account over the last couple years. I was charged overdraft fees that put my account in the negatives and I owed navy federal the next time I got paid and this happened multiple times. I dont have specific dates because its been happening for years.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal Credit Union numerous times have charged me overdraft fees over the years of me having these accounts knowing my account was low or empty. They let the transactions go through anyway. Or a debit that i paid with my pin number that's supposed to come out instantly wouldn't clear until after my account was too low to cover. Im so glad I found this platform to complain otherwise I would have no voice in this situation. I love the institution and ive been with them for years but this isnt fair. Any proof needed will be provided.

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