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: Early Warning Services, LLC
State: NJ

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 serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year> I made a purchase for {$15.00} of gas from a double time in XXXX. The transaction declined. When I looked at my balance it was because it was only {$13.00} in the available balance. Cashapp took the available {$13.00} although the transaction declined. The gas station could not print me out a receipt because there was no transaction. I contacted cash app they said to wait 10 business days for it to cancel. Today on XX/XX/year> I see the transaction was voided but the funds are not in my account. I reach out to cashapp. They said they didnt put the funds in my account because the transaction was voided at {$0.00} which there was never a transaction because it declined they were the ones holding the money. They now are refusing to give my money back.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I put in multiple disputes where they responded in 2-3 days saying they will not remove off my report that all info is correct and accurate.

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: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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 recovering lost funds was impossible and tracking these transactions was un feasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

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

Complaint narrative:
XXXX XXXX I am 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 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user 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 2025-01-19 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: WV

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Sometime early in XXXX  Capitalone issued new credit cards changing their card service provider with now simplicity. Having for many years each of my accounts set up on autopay, I was shocked to discover auto pay was declined, return, charged a {$56.00} fee from my autopay account and then subsequently charge a {$28.00} late fee and returned check {$28.00} fee on my Capitalone credit card. I immediately when to another personal bank account directing a payment so as to assure I completed my monthly obligation to Capitalone. Never-the-less after multiple calls to Capitalone no there understood the issue nor would assist in any manner. I subsequently as directed contacted their local cafe ( some 50 miles away ) and they merely directed me back to the XXXX service number. 

Now nearly two months chasing what happened Capitalone send me a email explaining their new service provider had an ongoing technical processing issue regarding transactions charges including autopay and more which I tried dozens of times to explain to their support service only falling on deft hears. 

I have requested Capitalone remove and credit each charged fees ( now over {$210.00} ). I have marked their new Simplicity card as not secure and paid off my account their in full. 

As an aside, I have been an account holder with Capitalone for over 15 years, with checking, and multiple savings accounts for myself and my grandchildren. I understand my accounts are not of any significance as Capitalone might measure like 95 % of america.

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: Block, Inc.
State: GA

Complaint narrative:
Cash app has been taking money from my account unauthorized and most of the things I bought werent received and cashapp failed to pay me back on multiple occasions I no longer use XXXX and XXXXXXXX XXXX  but I have been charged since XXXX I want this justified I want all my money back {$26.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am filing this complaint regarding Transunion 's handling of fraudulent accounts ( 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 on my consumer report. Despite my compliance with all legal procedures, Transunion failed to remove the fraudulent accounts, citing, " Verified As Accurate. '' Under FCRA 611 ( 15 U.S.C. 1681i ), I request written confirmation that this fraudulent account has been blocked and removed as required by the FTC Identity Theft Affidavit. Additionally, I seek a detailed explanation as to why these accounts were not removed initially, despite my submission of the necessary documents, including my ID, Social Security, proof of address, and the original FTC Identity Theft report. I also request disclosure of the method of investigation used, as mandated by FCRA 611. I expect Transunion to complete its investigation and provide all requested documentation within the four-business-day timeframe required under FCRA 605B. Your prompt resolution of this matter is appreciated. Please reference my previous disputes as proof of submitting proper documentation required. On [ XX/XX/XXXX ] Complaint # XXXX and on [ XX/XX/XXXX ] Complaint # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 CFPBs findings indicate the 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 2025-01-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc
State: IL

Complaint narrative:
I applied to ride share service XXXX and XXXX. XXXX approved my background and XXXX is denying the exact background which is unfair. They have no live team support to review background checks its automatically denied if something reports as consider even if its past 7 year FCRA that prohibits companies from reporting certain types of information thats older than 7 years. The ride share service Lyft and background check company CheckR are conspiring against my rights. I tried to dispute but its not prolly set up for disputes for the not following legal regulations surrounding fair credit act thats in place for for fair opportunity of employment. This is the second company Ive been denied due to checkr going against FRCA regulations for employment.

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: PA

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 the transactions were authorized. However, due to delayed posting of charges and credits, I was charged overdraft fees. 
This issue appears consistent with recent findings by CFPB, which indentified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

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: Early Warning Services, LLC
State: MI

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 fund Was impossible And tracking those phones was unfeasible. The CFPBs findings indicate the zelle has not only neglected to protect Consumers But has also Allow Repeated offenders To exploit the system Leaving us vulnerable to scam the customers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX number : XXXX Dear, XXXX XXXX XXXX Synchrony Bank has written off this account. I do not agree with you about having to pay any amount. According to the FDCPA, XXXX XXXX XXXX or any other debt collector has to have consent to communicate with me which you do not have. Any communication after this will be considered harassment. 
Under Section 809 ( b ) of the FDCPA, you are required to provide me with the following information before pursuing any further collection activities : Verification of the debt, including the name of the original creditor and detailed documentation of the amount owed. 
Proof that you are legally authorized to collect this debt. 
Until the requested verification is provided, I request that you cease all collection efforts and refrain from reporting this debt to any credit reporting agencies, as inaccurate or unverifiable reporting violates the Fair Credit Reporting Act ( FCRA ). 
Additionally, I demand that you refrain from contacting me except to provide the requested validation or to confirm that you will cease collection efforts. 
Please be advised that this letter serves as my formal notice under the FDCPA to protect my rights as a consumer. I expect your response within 30 days from the date you receive this letter. 
Thank you for your immediate attention to this matter. 
Thanks, 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: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving not 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 inconveniences 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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
{$6500.00} was Zelled out of my account to someone else. I filed a police report for the missing phone and reported to Bank of America and they did nothing!

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the inclusion of an account from CBE Group on my credit report, as listed under your records. This account is not mine, and it has been improperly reported as being in collections. I request its immediate removal for the following reasons : XXXX. Ownership of the Debt : This account does not belong to me. I have not received any proof of ownership or validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), which mandates that debt collectors provide written validation of a debt upon request. No such proof has been sent to me. 
XXXX. Debt Already Paid and Sold : Based on my understanding, this debt was previously sold to another entity and has already been paid. Under the FCRA ( 15 U.S.C. 1681b ), duplicate reporting of the same debt is unlawful, as it creates inaccuracies on my credit report and violates my rights to fair credit reporting.

3. No Written Notification Provided : I have not received any formal written notice regarding this alleged debt, which violates 15 U.S.C. 1692g ( a ) of the FDCPA. As such, the reporting of this account is not legally justified and must be removed immediately.

4. Violation of My Consumer Rights : The continued reporting of this account is negatively impacting my creditworthiness and causing undue harm. XXXX has a duty to investigate and correct inaccurate or unverifiable information under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
I dont have an account with you with the dates listed on my credit report and its inaccurate and needs to be removed

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

Complaint narrative:
1681i. Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general ( B ) Extension of period to reinvestigate ( C ) Limitations on extension of period to reinvestigate ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general ( B ) Provision of other information ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general ( B ) Notice of determination ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.

( 4 ) Consideration of consumer information ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-19 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 which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and 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 the 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I put in a dispute with Wells Fargo and they cancelled debit card and was sending another card out which it was never received. I then tried to deposit my check to clear the XXXX over draft and noticed my account was closed I never heard anything back since the dispute on charges from another state that wasnt mine again no notice and no new card was sent. When I called that is when I received a email about my account.

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