vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 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: VA

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 unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 2025-01-21 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: CO

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 that tracking these transactions was infeasible. The CFPBs findings indicate that zelle has 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been sending notarized letter to experian for months requesting investigation on all negative accounts being reported to my credit report and requesting proof and validation of debt but no proof have ever been provided to me. Just that investigation have been completed and debt have been verified with no additional information. And now that I see experian is being sued due to their lack of actually investigating disputes I will like to report that they have not properly conducted an investigation on any of my previous disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: TX

Complaint narrative:
I recently discovered a collection agency item from XXXX XXXX for {$240.00} on my Transunion and XXXX credit reports. This collection agency item is not mine and is the result of identity theft. There are also multiple hard inquires from XXXX XXXX XXXX XXXX XXXX on all my credit reports. These are inquires as a result of identity theft.

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 2025-01-21 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: UT

Complaint narrative:
I'm so tired of Equifax screwing up my closed credit accounts. Every closed/paid account they're misreporting information and getting everything wrong! This is not brain surgery or rocket science! It's credit reporting that the CREDITOR reports accurately to you and YOU EQUIFAX keep screwing up!!!! The attached is a car loan that was paid off with a trade in, in XXXX XXXX. Yet you're now reporting it as " too new to rate ''! WHAT????!!!! This completely inept bureau has recently been sued by the CFPB for $ XXXX for this very thing! Their stupidity astounding and is not my problem, and I refuse to explain away their errors on my report! Enough is enough! I plan to do everything I can to get the CFPB to continue suing you, and to make sure every creditor out there drops you like a hot potato, because they too can be sued by the CFPB and consumers for YOUR inability to accurately report info on something as simple as a credit report! Year over year you've gotten worse with time! There's simply no excuse for it and it's time to put you down like a XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
I pulled my credit report and see that you are reporting an alleged debt on my consumer report that I am requesting be VALIDATED, pursuant to the FDCPA validation of debt section, 15 USC 1692g.

Since I am disputing this alleged debt pursuant to the Fair Debt Collection Practice Act, you are required to Cease and Desist all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. I am also specifically requesting the ENTIRE PURCHASE AGREEMENT, not just the Bill of Sale associated with this alleged obligation. Please also provide me the Aggravated Value Of Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN THE WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE AND MISLEADING. 
The account is noted below : Original creditor : XXXX XXXX XXXX Account XXXX # - XXXX As previously stated, I am requesting that your agency provides me with evidence that I am in legal obligation to pay you. 
I hereby inform you that you do not have my consent to communicate with me through any mediums. Furthermore, I DO NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DO NOT consent to you reporting information in my name to the consumer reporting agencies. In case you didnt know, reporting invalidated information to any of the XXXX major credit reporting agencies ( XXXX, XXXX XXXX or XXXX XXXX is fraudulent and a violation of both state and federal laws, so if this matter does not get resolved within the time allotted I am willing to take legal action to compensate for the damages I have sustained, because youve not only violated the Fair Debt Collection Practices Act and you have also violated the Fair Credit Reporting Act.

You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me with a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6803.

I Demand ALL COLLECTION efforts shall Cease and Desist. 
If your office fails to respond to this validation request within the allotted time, all reports of this account MUST be Deleted from reporting on all 3 major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 complain against Cash App ( Bloch ; Inc. We to equa ustomer 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 a Was unfair and deceptive, as they did nor KY 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 2025-01-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following account 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 2025-01-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello I found three unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 significant inconvenience and financial loss, and I seek appropriate redress 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute an inaccurate late payment reported on my Equifax credit report for my XXXX XXXXXXXX XXXX account ( Account Number : XXXX ). The reported 30-day late payment is incorrect, as I have consistently made on-time payments. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am exercising my legal right to dispute inaccurate information on my credit report and request an investigation into this matter. Under this federal statute, credit reporting agencies and data furnishers are legally obligated to conduct a reasonable investigation within 30 days and remove or correct any information found to be inaccurate, incomplete, or unverifiable. 

Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) explicitly prohibits furnishers of credit information from reporting information they know or have reasonable cause to believe is inaccurate. Since I have provided sufficient evidence proving the inaccuracy, Equifax and XXXX XXXX XXXX must immediately correct or delete this misinformation to remain compliant with the law. 

Supporting Evidence To support my claim, I have attached the following documents : Copy of my Drivers License and Passport Verifying my identity. 

Legal Request for Immediate Action In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I formally request that this inaccurate late payment be removed from my credit report, as it is causing unjust harm to my creditworthiness. 

Additionally, per 15 U.S.C. 1681i ( d ), I demand that Equifax provide me with the name, address, and phone number of any entity that has accessed or reviewed my credit report in relation to this disputed information. 

If this dispute is not fully investigated and corrected within the 30-day period, I am prepared to escalate this matter further, including but not limited to : Initiating legal action under FCRA for willful noncompliance Seeking damages for credit harm under 15 U.S.C. 1681n and 1681o Request for Written Confirmation Please provide me with written confirmation once this dispute has been resolved and the inaccurate information has been deleted. If XXXX XXXXXXXX XXXX or Equifax chooses not to correct this error, I demand a detailed explanation of their findings, as required by 15 U.S.C. 1681i ( a ) ( 6 ). 

I appreciate your immediate attention to this matter and look forward to a swift resolution. Should you require any further information, please contact me using the details provided above. 

Sincerely, XXXX XXXX Attachments : Copy of Drivers License Copy of Passport Credit Report Screenshot of late payment being reported on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 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. The lack of transparency and accountability is unacceptable and unbearable, it raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: AL

Complaint narrative:
Im willing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient available funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees.

This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions were 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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Experian and XXXX XXXX XXXX XXXXXXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ), specifically 15 U.S.C. 6802. This complaint pertains to the failure to ensure the accuracy of information on my credit report and the unauthorized disclosure of my nonpublic personal information to a third party without my consent.The account in question is : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX The original creditor, [ XXXX XXXX XXXX XXXXXXXX ], disclosed my nonpublic personal information to a third-party debt collector, XXXX XXXX XXXX XXXXXXXX XXXX XXXX without my knowledge or consent. Under 15 U.S.C. 6802, financial institutions are prohibited from sharing a consumers nonpublic personal information with nonaffiliated third parties without providing a clear and conspicuous notice and an opportunity to opt out. I did not receive such a notice, nor did I authorize this disclosure. This caused harm including unfair damage to my credit score due to inaccurate reporting. Stress and confusion resulting from unauthorized third-party collection efforts.

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 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 proces : 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 Money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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 Funds 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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 proces : 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