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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particulary inlight 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 adequeately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasinle. The CFPB 's findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I was trying to get a refund and at the time cash app was no help even after trying to email. At the time they did not have live chat and I felt helpless. Cash app never responded back.

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: OH

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 tracking these transactions was unfeasible. The CFBS findings indicate that Zelle was not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: CA

Complaint narrative:
I am writing this as a deeply upset and disgruntled consumer. Your actions, or lack thereof, have significantly and negatively impacted me, jeopardizing my ability to maintain excellent credit. Despite my earlier disputes, there response claimed the accounts in question were verified, which is entirely unacceptable. 

Recent investigations and lawsuits against XXXX clearly show a pattern of violating the Fair Credit Reporting Act ( FCRA ) and neglecting proper dispute handling. Specifically, XXXX has : Failed to thoroughly investigate consumer disputes : XXXX process limits consumers from fully describing their disputes and often ignores relevant information submitted by consumers. Furnishers responses were given undue deference, even when contradictory or nonsensical, resulting in inconsistent and incomplete resolutions. 
Reintroduced previously deleted errors : XXXX failed to prevent previously removed errors from reappearing on credit reports, demonstrating a lack of proper detection systems. This forces consumers, like myself, to repeatedly dispute the same inaccuracies. 
Failed to block identity-theft-related information : XXXX knowingly reported credit information resulting from identity theft, despite its obligation to block such data.

The Consumer Financial Protection Bureau ( CFPB ) has already found that XXXX  flawed processes and ineffective systems harmed consumers, violating FCRA requirements and the CFPAs prohibitions against unfair, deceptive, or abusive acts. It is evident that these practices have severely limited consumers ability to dispute and correct inaccuracies, further compounding the harm. 

Enforcement Actions taken against XXXX include : 1. Mandating compliance with federal law regarding credit reporting data. 
2. Imposing a {$15.00} XXXX penalty for their misconduct. 
Given this precedent, I demand immediate action to remedy your negligence in my case : 1. Immediate deletion of all disputed accounts and a full resolution of inaccuracies on my credit report.

2. Restoration of my credit score to XXXX or higher, reflecting the absence of any erroneous or fraudulent information. 
3. Acknowledgment of this complaint and a detailed timeline for resolving these issues, no later than [ insert deadline, e.g., 7 business days ].

Failure to act swiftly and appropriately will leave me with no choice but to escalate this matter further, including filing additional complaints with the CFPB, Federal Trade Commission, and legal authorities. The level of disregard for consumer rights shown here is beyond unacceptable, and I will not stand for it.

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: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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 those 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 transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I zelled a business owner for a service that was suppose to be provided so I called my bank to refund the Zelle and they denied it after letting them know services were not provided

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: NY

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 times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obiligation under the 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 agains Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable respnses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experian 's action violated federal law and my right 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
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: WI

Complaint narrative:
It is now XX/XX/XXXX On XX/XX/XXXX I initiated an inquiry from XXXX XXXX the inquiry should have fallen off today as it has been 2 years

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: Getting a credit card — Delay in processing application
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I applied for a Capital One Savor card on XX/XX/XXXX. Application ID XXXX. Once I applied, I was prompted to upload bank statements and proof of income. I uploaded the requested documents the same day XX/XX/XXXX. I called Capital One on XX/XX/XXXX at XXXX to get an update. I was advised that my bank statements were accepted. I asked the rep. what other information was needed and she advised me that they had all the documents they requested and that I should wait a little longer for the approval or denial. I called again on XX/XX/XXXX and spoke to a rep. overseas, she couldn't give me any answers so I requested to speak to a rep. in the United States. I was given a different phone number XXXX. I spoke to a rep who still couldn't give me an answer, she was even confused as to why my application was neither approved or denied. I stayed on the phone with her for over 50 minutes. She advised me that she was sending an email to her manager to find out what is the delay in my application. Today is XX/XX/XXXX, and I still do not have an answer. I recently saw that Capital One is being sued by the Federal Government. I am concerned about my sensitive bank account information that I provided Capital One. It has never taken almost 2 months to get either an approval or denial for a credit card. I would like a response from Capital One.

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: NY

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes, in light of the recent CFPB lawsuit highlighting significant issues with the platform.

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: TX

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 transaction were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.

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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive disputed things with equifax and XXXX  and nothing ever happened or changed

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was a victim of identity theft and hacked o. XXXX XXXX at XXXX XXXX were I worked. I would like all of my records to be wiped clean.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
Cash app has been letting unauthorized purchases, bitcoin transfer, cash app pay and XXXX XXXX transactions resulting in thousands of dollars lost over the past 5 years. I was sent something about the lawsuit but when I tried to respond and submit my claim online it would only take me up to the last part but would never actually let me submit my claim. When I called the people incharge of the submissions which was XXXX, I couldn't get intouch with anyone LIVE until AFTER the last day to submit your claim so I'm told I will no longer be able to get any reimbursement at all. This is crazy, I get robbed of my money regularly and then of the chance to get it back .on top of that I was also a victim of identity theft and cant get any type of compinsation for that Please help me

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX of 2024, I was in the market for a new card. I reached out to XXXX XXXX directly and applied for a new auto loan, which was declined. I reached out to the local XXXXXXXX XXXX XXXXXXXX to see if they could reach out to underwriting and see if there was anything that could be done as I had multiple auto loans with them in the past and have never had a decline or late payment with them. They asked me for my social, I let them know I had already applied and did NOT want to go through another application. They said they would NOT rerun my credit, they just needed my social security number to locate the existing application with XXXX XXXX A day later, I noticed a new hard inquiry on my credit report. I did not authorize that. 

I then used XXXX XXXX preapproval site for auto loan opportunities. It very clearly states that this will NOT impact my credit, that their will NOT be a hard inquiry. 

XXXX XXXX partnered me with autopay.com. On there website, it also clearly states that there would be no impact to my credit and would be a soft inquiry only. Over the course of 4 months, they partnered with several auto loan companies that hard pulled my credit report and generated XXXX inquiries I did not authorize.

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: 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: SC

Complaint narrative:
After reviewing my credit report, I noticed XXXX fraudulent accounts that were previously deleted have been reinserted without the required 5-day written notice, as outlined in the FCRA. The accounts are fraudulent, already removed, and their reinsertion violates my rights. 

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 submitted a new dispute on the XXXXXXXX XXXX XXXXXXXX and they claim have finished their new investigation by the next day.

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

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time of the transaction were authorized. however due to delaying posting of charges and credit. I was charged an unfairly charged overdraft fees. 
The issue appears consistent with recent finding by the CFPB which identified similar practices by Navy Federal credit Union where transactions settled with insufficient balances despite initially having adequate funds available. I believe these practices are unfair and deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am following 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.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I Zelle money to a friend who phone number had changed. A stranger received my Zelle In so I called Zelle were I was told Zelle couldnt help me get my money back.

Company response to consumer: Closed with explanation