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: MT

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 2025-01-18 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: IL

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 withe 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 2025-01-18 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:
Complaint Regarding Fraudulent Transactions and Lack of Support by Zelle Between XX/XX/XXXX and XX/XX/XXXX, I encountered several issues with Zelle that resulted in significant financial losses. 

Unauthorized Transfers : Starting in XXXX, unauthorized transactions appeared on my Zelle account. These incidents resulted in total losses exceeding {$8000.00}. I promptly reported the activity to Zelle and provided documentation, but no refunds were issued.

Fraudulent Reversals : Customers frequently reversed payments after receiving products or services. I submitted evidence to Zelle multiple times, including invoices and communication records, but my claims were denied without explanation.

Lack of Security : Zelles inadequate security measures allowed repeated unauthorized access to my account. Their support team failed to provide assistance or solutions to prevent further fraudulent activity.

Impact on My Life : These financial losses caused significant hardship. By late XXXX, I was struggling to cover basic expenses, and in early XXXX, I lost access to reliable transportation for my family. 

I urge Zelle to investigate these incidents and take responsibility for the financial harm caused by their lack of security and customer support. I request restitution for the money lost due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My direct deposit should have been in my account by XX/XX/year>. I havent not received my pay and the bank Capital one will not answer the phone to provide any information. When I call the number on the back of my card I am hung up on when asked for a representative.

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: OH

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 2025-01-18 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: MD

Complaint narrative:
We Have contacted Experian, XXXX, XXXX on numerous occasions informing them of false reporting. Fraudulent inquires most recently by XXXX XXXX which set off a chain reaction by several other finance companies. We contacted XXXX XXXX in addition to Experian and the others to inform them of the fraudulent act. Nothing was removed or done in the past over the last 3 years we have filed complaints with the all the so called credit reporting companies about the companies having opportunities to pull soft credit reports and getting personal info to harass us. We have filed Ftc identity theft reports and contacted Social Security administration over the past years with no resolution in sight. In the past we have filed CFPB reports only to have the company claim to have verified the accounts and punished us in the end for filing the complaints. We have been denied credit, denied housing among other things because of the lack of authentication by the credit reporting bureaus who appear to work closely with the so called creditors to report false claim and receive some kind of kick back. We have been involved in multiple data breaches over the years and never received compensation or apologies or correction. Only to be harassed to authenticate ourselves. We the people are the reason companies thrive yet we are treated as cattle, or less than.

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: 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 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 XXXX  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: GA

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 2025-01-18 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: OK

Complaint narrative:
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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am writing to express my deep frustration and disappointment with an ongoing issue involving Capital One Bank, which has left me unable to access my direct deposit funds due to a reported technical problem with a third-party vendor. 
As a customer who depends on Capital One to reliably manage my financial transactions, this situation is causing significant hardship. I receive direct deposit from my employer, and my account is set up for automatic withdrawals to cover essential bills, including my mortgage and car payment. However, due to this technical issue, the funds have not been posted to my account, leaving me unable to meet my financial obligations. 
This delay is creating a chain reaction of consequences : I am now at risk of incurring late fees. 
Late payments will negatively impact my credit report, potentially staying on my record for two years. 
This issue is placing me in a severe financial bind, as I live paycheck to paycheck. 
Despite Capital One acknowledging the problem and stating in an email that the issue would be resolved by Friday, XX/XX/year>, the problem persists as of this morning. To my knowledge, no backup plan has been implemented by Capital One to address the immediate needs of customers like me who are unfairly affected by this situation. 
This is not just an inconvenienceit is a failure in service delivery that has left my hard-earned funds in limbo. My employer has fulfilled their obligation by paying me for my services, yet Capital Ones technical issue has prevented me from accessing my money. 
As a loyal customer since their merger with ING Direct, I expected better. I am deeply disappointed by the lack of proactive measures and urgency in resolving this matter. 
I am requesting the CFPBs intervention to address this issue promptly and hold Capital One accountable for their failure to ensure customers access to their funds. My financial stability and creditworthiness are at stake, and I hope for your assistance in bringing this matter to a fair and swift resolution. 
Thank you for your attention and advocacy. Please feel free to contact me for further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My wife and I had several " 360 Savings '' money market accounts with Capital One. The company introduced their " 360 Performance Savings '' High Yield product without informing current clients or enquiring if we wanted to transfer our existing accounts into the new product. Thus, until we found out about the change, we could have been earning 3.4 % APY rather than 0.3 % APY. We lost several XXXX dollars through this failure to inform by Capital One. Note that this complaint form only allows us to add a single account number.

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: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cashapp never responded to my complaints and just closed my account

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: EQUIFAX, INC.
State: CA

Complaint narrative:
I came across cfpb lawsuit against Equifax I feel I was negative impacted and hurting my chances at credit after receiving a response from earlier disputes that the accounts was verified through E - Oscar verification system

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: GA

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 at the time of the transactions, I was charged multiple overdraft fees due to extended lagged posting of charges and credits. This issue aligns with the CFPBs most recent findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation in my account.

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 — 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: MI

Complaint narrative:
I am fling a complaint against XXXX, XXXX and TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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 XXXX complies with federal law and provides consumers with the necessary proof of 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 2025-01-18 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: MI

Complaint narrative:
I am fling a complaint against XXXX, Experian and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX 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 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
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 XXXX complies with federal law and provides consumers with the necessary proof of 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 2025-01-18 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 in adequate customer service and unfair practice 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 they dispute resolution process. Was unfair and deceptive. As they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and reregulation 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation 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 against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Cash Apps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App numerous times and reporting discrepancies, my financial institution and Cash App 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 Cash App 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
On XXXX XXXX I tried transferring {$380.00} from my Venmo account to my credit union account. Venmo sent the funds to the WRONG account to someone at my credit union. My credit union has confirmed with me that the funds went into someone else 's account, BUT because it was not my credit unions fault, they can not just take the money out and give it to me! Venmo needs to do this and they WON'T!! I've contacted them via email 6 or 7 times, I have called them at least 3 times, and they have done nothing! All they say is that the money was deposited in an account ending in XXXX. MY account ends in XXXX...... NOT XXXX!!! I had Venmo supposedly dispute the transaction, but nothing got done and now Venmo won't even answer my emails! They continue to drag their feet on this even after MY credit union confirmed the money went into the wrong account!! I just want my money returned to me, but Venmo keeps ignoring me! I have a trace number which I gave to my credit union and my credit union then confirmed that the money went into someone else 's account!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
a zelle transactions caused account to be overdrawn causing banking problems

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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am formally writing to 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 report discrepancies,XX/XX/XXXXXXXX XXXX and Zelle failed to adequately investigate. I was informed that recovering lost funds was impossible and tracking the money wasnt a feasible request.

Company response to consumer: Closed with explanation