vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have later fees from my due account and that set me back I had to go get a loan to keep my light 's on and my gas

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: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There were multiple times when I sent money on Wells Fargo to other people with XXXX by accident and they didnt help return or refund the money to me back in XXXX and XXXX. The amounts were {$XXXX} and {$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 — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
When sending money to someone, it did not tell me to make sure I had the right information of who Im sending money to, i mistakenly sent money to the wrong person, and could not get a refund, now apparently Zelle has fixed that issue when they noticed their mistake, but Im still out of the money I sent someone, I never got reimbursed or anything.

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: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are several " soft hits '' on my credit report these XXXX companies, Experian and XXXX XXXX keep automatic running my credit it looks like at least XXXX  times a month for over a year. I do not want this on my report and when I try to call the number provided on the report, it is not valid for Experian. All those " soft hits are adding up and I feel it is affecting my XXXX XXXX. Please help.

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

Complaint narrative:
Transactions it was made and not returned as it was not an approved by me

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: IN

Complaint narrative:
On XX/XX/year> my account was hacked illegally and {$7000.00} was illegally transferred out of my account on CASHAPP, I contacted cashapp and I gave them my information with no resolution. I filed police report. 
XXXX Case number. 

( 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 redres : 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: SC

Complaint narrative:
lam 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: KY

Complaint narrative:
I express my concerns regarding Zelles handling of disputes. Despite using Zelle numerous times and reporting discrepancies, my bank 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 show that Zelle has not only neglected to protect me and plenty others but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
My account was fraudulently accessed and money transfers were made to a XXXX XXXX account in XXXX to individuals I have no knowledge of.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Since the summer of XXXX, I have been unable to view my credit score through Equifax. Every time I log in or attempt to contact customer service, I am informed that I need to send verification documents, despite having already sent certified letters containing my identification, Social Security number, and utility bill multiple times. On XX/XX/year>, I received a letter from Equifax stating that they were unable to locate a credit file in their database using my identification number. Despite my repeated efforts to resolve this issue, including sending the requested documents, I continue to face problems with accessing my score. Most recently, when attempting to log in, I received an error message instructing me to call Equifax with a code : XXXX. This ongoing issue has caused significant inconvenience and frustration. I am requesting the CFPBs assistance in resolving this matter.

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: PA

Complaint narrative:
I am writing to follow up on my previous dispute regarding errors and inaccurate reporting on my credit file. These discrepancies highlight significant inaccuracies in how these negative items are being reported across the XXXX bureaus. XXXX has already deleted most of the disputed items, leaving only XXXX remaining, while TransUnion and XXXX continue to report conflicting details.

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: Block, Inc.
State: MN

Complaint narrative:
I I'm filling 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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Back in XXXX  Navy federal credit union close my checking account due to overdraft fees that was not explained through contract or verbally.when I tried to reach out to company for explanation I was to the topic did not have to be explained. The overdraft fees was not explained and I believe I was overcharged on the overdraft fees.

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: Block, Inc.
State: SC

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 proce 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 andfinancial 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: IL

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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 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: CA

Complaint narrative:
I am filling 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 regulations 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 is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Charge-Off Reporting for Account with XXXX XXXX XXXX Dear XXXX, I am writing to formally dispute an error on my credit report related to an account with XXXX XXXX XXXX ( Account Number : XXXX ). According to my credit report, this account has been reported as charged off with a balance of {$XXXX} past due as of XX/XX/year>. Additionally, the payment history reflects a charge-off status across several months. 

I believe this information is inaccurate for the following reason. The account was settled The balance shown is incorrect or This charge-off status is being reported incorrectly for multiple months. 

I request that Experian investigate this matter with XXXX XXXX XXXX and verify the accuracy of the reported information. Please provide evidence supporting the charge-off or correct the information on my credit report to reflect the accurate status of the account. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to complete your investigation within XXXX  days and provide me with the results. If the information can not be verified or is found to be inaccurate, I request that the disputed information be corrected or removed from my credit report promptly. 

Please confirm receipt of this letter and notify me once the dispute has been resolved. You may contact me directly at XXXX if additional information is needed. 

Thank you for your prompt attention to this matter. 

Sincerely, 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: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
They did a hard credit pull without making it clear that they were. They ruined my credit and i looked before i hit it to see if its a hard pull and im pretty sure it did not say.

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 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 filled dispute. XX/XX/XXXX it did not help my credit It hurt my credit

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
This corporate account was established by AAFES during my former employment without my consent. At no point did I agree to accept personal liability for this account. I was instructed by a senior employee to utilize the card for business expenses and to submit requisitions for repayment. These requisitions were not reimbursed to the corporate account, resulting in unpaid balances. The employee responsible for these practices was subsequently released from the company for their misconduct. 

Despite my efforts to resolve this matter directly with AAFES, the company has failed to repay the requisition amounts owed on their account, which has been erroneously attributed to me and collection activities began in XXXX This corporate account was solely used under instructions provided during my employment, and all communication records confirm that the responsibility for this debt lies entirely with AAFES. 

I have also notified XXXX XXXX XXXX XXXX ( XXXX ) of this obligation and my part of the obligation. To clarify and rectify this issue, I am formally requesting the following documents from XXXX XXXX XXXX, the credit card company handling the MILITARY STAR CARD for AAFES, and from XXXX XXXX XXXX XXXX ( XXXX ) : XXXX. ) XXXX signed contract/agreement bearing my original wet signature. 
XXXX. ) Chain of title with proof of assignment, as outlined under UCC Article 9-203. 
XXXX. ) Detailed breakdown of the debt, as required under contract law and UCC principles. 
XXXX. ) Original creditor 's accounting history, as detailed under UCC Article 9-210. 
XXXX. ) Proof of permissible purpose for reporting this account on my credit file, in accordance with FCRA, 15 U.S.C. 1681b. 
XXXX. ) Assignment agreement between the original creditor ( AAFES ) and XXXX XXXX XXXX XXXX, as required under UCC 9-203. 

I expect immediate action to address this matter and to remove any implication of personal liability from my name.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate ( Account number XXXX account name 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: 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:
This letter constitutes a formal complaint regarding multiple overdraft fees assessed to my account .These fees were incurred despite having sufficient available funds at the time the underlying transactions were initially authorized. 
However, due to the untimely posting of both debits and credits, my account balance was artificially depleted, resulting in the erroneous application of overdraft fees. 
This issue appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which identified similar practices by financial institutions, including the delayed posting of transactions that led to unjustified overdraft fees. 
I believe these practices are deceptive and unfair, as they do not accurately reflect the true availability of funds in my account at the time transactions were authorized. I request a prompt investigation into these fees and a full refund of all overdraft fees incurred due to this issue.

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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I filled dispute. XX/XX/XXXX it did not help my credit It hurt my credit

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: TX

Complaint narrative:
Formal Complaint Regarding Uncompensated Fees and Business Loss with Navy Federal Credit Union To Whom It May Concern, I am writing to formally file a complaint against Navy Federal Credit Union regarding fees and practices that have negatively impacted me as a customer. I have been directly affected by the illegal practices addressed in the following settlement : Overdraft Fees ( XX/XX/year> XXXX ) : XXXX XXXX charged me overdraft fees in situations where sufficient funds appeared to be available at the time of transactions, as well as fees on peer-to-peer payments. 

Despite this settlement, I have not received any compensation or relief. These fees caused significant financial harm, including the default of my business account. The cascading financial impact has been substantial, as my business operations were disrupted, and I have faced additional costs and penalties to my personal account as well as my business account named XXXX XXXX XXXX. NSF fees have also been a very negative contributing factor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation