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: AZ

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

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 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 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: 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 in 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 cause 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: 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, 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed a fraudulent account on my report. I do not recognize how this account is reporting on my credit report. I don't recognize the account number, account status, nor do i recognize the account balance. This fraudulent account being reported does not meet the FCRA. I request that your company do the diligence on this fraudulent account and provide me with any documents bearing my signature.

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: CT

Complaint narrative:
I had money transferred into my account on XX/XX/XXXX and there was a pending amount and current funds that were available to use. I made a purchase of gas from XXXX XXXX XXXX and left it to fill and it exceeded over the amount I had available in my account, which I didnt know was even possible because its a debit account not credit. But I was charged a {$35.00} overdraft fee and other fees on top of the amount that exceed over. I can not access my account due to it being closed due to overdraft I assume. I was not notified by mail or email stating account closure. But I am currently still receiving emails for monthly statements as XX/XX/XXXX.

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: SC

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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. 1 believe these 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/XXXX I paid my mortgage with XXXX using my Navy Federal Credit Union Checking Account. At the time of the transaction my available credit was more than enough to cover the {$970.00}. I was also tracking the pending transaction I had on my account because Navy Federal CU tends to hold pending transactions for 3 or more days which doesnt make sense. 
On XX/XX/XXXX I received an email my payment was returned. I had enough money in my account. I called the bank and they told me I didnt. I asked for a transaction list with time stamp which I have not received to date.The report would allow the customer to see how Navy Federal applied transactions to their account by date and exact time and would reflect an accurate available balance. And I was charged a {$29.00} fee. If the payment was paid why am I being charged a fee? The response was because the payment was returned. I expressed I can see TD Bank charging me a fee but what is Navy Federal charging me for? There was no action required. 
Due to this scam, XXXX XXXX reported my mortgage late 30 days and is reflecting a negative report on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Over the past few years, I have repeatedly disputed these accounts with XXXX. To date, XXXX has neither provided proper verification of the accounts nor issued a 1099 form for the reported accounts.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Over the past few years, I have repeatedly disputed these accounts with XXXX. To date, XXXX has neither provided proper verification of the accounts nor issued a 1099 form for the reported accounts.

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: EQUIFAX, INC.
State: IN

Complaint narrative:
Please check the information concerning the Equifax Data Breach, XXXX Data Breach, XXXX Data Breach and XXXX Data Breach. My information was exposed in several data breaches from medical information, educational information and personal and credit information resulting in identity theft. Under consumer law 15 USC 1581 my right to privacy has been violated several times resulting in various variations of my name, address and phone numbers being utilized to acquire accounts and other things

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: 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 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 so blatantly disregarded my rights as a consumer, leaving me financially and emotionally distressed. Cash Apps failure to investigate and resolve disputes within the required time frame, as well as their refusal to reimburse unauthorized transactions, constitutes a violation of federal laws designed to protect consumers. 

Additionally, their lack of accessible customer service and vague communication further demonstrates negligence and a lack of accountability on their part. I am requesting a thorough investigation into these issues, appropriate penalties for Cash Apps noncompliance, and restitution for the financial losses I have incurred due to their inadequate practices.

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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

ACCOUNT NAME : XXXX  ACCOUNT NUMBER : 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: 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : 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: IN

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 XXXX 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 electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and finnacial 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: 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 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have unauthorized activity on XXXX open accounts. XXXXXXXX XXXX XXXX XXXX XXXXXXXX late payments account updated payments {$XXXX}. false update past due as of XX/XX/year> client did pay {$XXXX}. XXXX XXXX account XXXX {$XXXX} closed collection account didn't give permission to sell this account. XXXX XXXX XXXX sold unauthorized account number XXXX. XXXX XXXX Account XXXX account number XXXX sold my information without my permission. XXXX XXXX XXXX XXXX XXXX XXXX sold account without my unauthorized account. XXXX XXXX XXXX XXXX sold without my permission. XXXX XXXX XXXX XXXX debt buyer sold without my permission. Hard inquires Capital 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: Early Warning Services, LLC
State: NY

Complaint narrative:
I had a few transactions I cant never get my money back

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: TN

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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against 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 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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I found a n

umber of mistakes on my credit report and I contacted TransUnion in order to resolve these issues. They have down right failed to comply with FTC Regulations and refuse to fix this issue, this is a clear violation of my consumer rights. TransUnion has failed to update my personal information. On my credit report it has multiple address which I only have one address for the last XXXX  years which is ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

The address I would like to be deleted is 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 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 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 : XXXX Balance {$XXXX} Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$XXXX} Open Date XX/XX/XXXX XXXX & XXXX XXXX XXXX {$XXXX} Open Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$XXXX} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Balance {$XXXX} Open Date XX/XX/XXXX inquiries XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
On XX/XX/year> I received a cell phone from XXXX. On XX/XX/year> I returned the cell phone and cancelled the contract. They sent a receipt showing a refund for the amount that was returned. They proceeded to automatically debit my account for the next XXXX  months. I called and spoke with multiple customer service representatives who finally agreed to refund my card. A few months later I received notice from Radius Global Solutions, a debt collector, that they sent the refunded amount to collections. Despite my efforts since then to resolve with the company and the debt collector, they have refused to reverse the debt. Further, they sent to the credit reporting agencies who I also disputed with. Both XXXX and XXXX. Their process for disputes is to simply confirm the debt from the company who reported it to them in the first place. They ignored my proof of the return/cancellation within the cancellation window and then subsequent refund that proves XXXX agreed it was their error. I have since requested the recording of the calls that prove I cancelled the contract when I returned the phone. Please note that I never used the phone, so they can further validate by seeing that there was never any usage on the 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
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 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 I seek appropriate redress for these violations

Company response to consumer: Closed with explanation