vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: UT

Complaint narrative:
My complaint is about cash app when my checking account is locked money seems to go out and when I talk with cash app nothing ever gets resolved it just give me the runaround customer service is very I don't know if you can call it customer service related non-existent so he's fun that I put on my card for bills and my checking account is locked my card is locked but they still allow money to get taken out when asked about it I don't even give me a dignified response about it and this has happened on more than 12 different occasions which cost me late fees and have to usually add money to a different account to pay off the bill on the document page that I sent that is only for XXXX month that month is XXXX and it's the XXXX transactions on there if you need any more in detailed let me know and I'll send them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
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 2025-01-23 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Reported accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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:
I am writing to formally file a complaint regarding multiple overdraft fees charged to my account. These fees were assessed despite having sufficient funds available at the times the transactions were authorized. However, due to delayed posting and charging of credits, I was unfairly charged overdraft fees. 

This issue appears consistent with the recent findings of 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 2025-01-23 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-01-23 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 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 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
On XX/XX/XXXX I was informed by a customer service representative that my account with XXXX XXXX XXXX XXXX card was closed. I have had this account for over 13 years, I have received tax refunds payroll and a number of deposits over the years to this account. This account was intially employer issued and switched over to a personal account once I left my previous employer XXXX ago. 
I was informed after my direct deposit was returned to my current employer leaving me with out the financial ability to meet my needs with out notice. 
When I spoke to a representative on XX/XX/XXXX I was informed that I would have to send in my identification with a picture and date of birth and address as well as my social security card which I thought was intrusive and was told my account was on hold pending that review. I was told it could take a few days to find out the status. Upon calling today XX/XX/XXXX I was informed that my account was closed as of XX/XX/XXXX for not supplying the requested information within 14 days however I was never given notice of the requested information, and I also sent the information in XX/XX/XXXX once I found out my account status. I was informed today XX/XX/XXXX that my account had been issued this request and placed on hold as of XX/XX/XXXX which is actually 7 days ago and I sent the information in in the 6 day from that day. Although I technically was never made aware of the requested information to begin with. I feel this is some type of fraud in the part of the company requesting my XXXX social security card or Im being targeted because of my last name. I am a born and raised XXXX XXXX  whos family has been in XXXXXXXX XXXX XXXX even if I was an XXXX  I dont think its ok to just close someones account because you are trying to verify XXXX  which is the only other thing I can think of beside the company wanting my social security card to commit financial fraud. I was informed that my account can not be reopened m, I dont want it reopened however I would like compensation for my missed bills and I would like to file a civil suite for discrimination.

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 2025-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2025-01-23 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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:
I am filing a complaint with Equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently respond 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. The account in question is XXXXXXXX XXXX account number XXXX with a balance showing {$620.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: NC

Complaint narrative:
I am filing a complaint against Equitax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want reported accounts removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 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: CA

Complaint narrative:
Reporting of inaccurate information and refusing to remove once disputed all hard inquiries were not made my me all late payments are false XXXX XXXX is being reports and debt is paid already

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank, I have overdraft protection paid fee forgiveness to bring my account to positive by XXXX MST each night when it gets charged to my account but this is false. On XX/XX/XXXX, I was charged {$36.00}, {$100.00} charged on XX/XX/XXXX, and {$36.00} charged on XX/XX/XXXX. I brought the account to positive but it's not according to US Bank 's standards. If it goes negative at any point, even though I bring the account to positive, the bank will still charge and not give any forgiveness. It is a grey area. I called on XX/XX/XXXX and spoke to an agent about this and they are like, oh no, we don't offer it on ACH but if you bring it to positive within 24 hours of it being drafted to the account, then you won't be charged the overdraft. I've looked and looked and couldn't find that stipulation in their terms and conditions! I made sure my account was positive on XX/XX/XXXX and, again, I get charged overdraft! It's never ending with this bank. What's the point of overdraft forgiveness if they don't even honor it!! 

They are misleading bank account holders with this overdraft paid fee forgiveness and don't honor any of it.

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 2025-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

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 2025-01-23 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: IL

Complaint narrative:
Subject : Denial of Access to Account and Dispute Resolution Rights- Financial Harm Complaint : I am filing this complaint against Equitable due to being locked out of my account for an extended period of approximately 4 YEARS. As a result, I am unable to access my account, manage my finances, or submit disputes regarding errors or issues, which is causing ongoing financial harm. 

This situation violates my rights under several laws and regulations, including but not limited to : 1. Electronic Fund Transfer Act ( EFTA ) - 15 U.S.C. 1693 et seq.

Under the EFTA, financial institutions are required to provide consumers with the ability to dispute unauthorized transactions and errors within their accounts. By locking me out of my account, Equitable is denying me the ability to exercise my dispute rights, a direct violation of EFTA provisions and its implementing regulation, Regulation E.

2. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq.

If Equitable is reporting negative account information to credit reporting agencies without allowing me to access or dispute the account, it may be in violation of the FCRA, which requires accurate reporting and the opportunity for disputes. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) - Dodd-Frank Act, 12 U.S.C. 5531.

Locking me out of my account and denying access to dispute resolution mechanisms constitutes an unfair and abusive practice, as it causes significant financial harm, is beyond my control, and denies me the ability to manage and protect my finances. 

Details of Harm : I have been unable to review transactions, check balances, or address potential errors or unauthorized charges. 
I have incurred multiple hours wasted trying to correct the issue, severe financial harm, lack of credit opportunities, undue stress, and health issues due to this issue. 
Equitables failure to provide access and proper dispute resolution has severely impaired my financial stability and caused unnecessary stress.

Requested Resolution : 1. Immediate restoration of access to my account.

2. Allowance to submit disputes for all affected transactions within the time frame I have been locked out.

3. Compensation for financial losses incurred as a direct result of this issue.

4. Review of Equitables policies and practices to ensure compliance with consumer protection laws. 
5. Remove all XXXX XXXX accounts that are negative as they are preventing me from the pursuit of liberty and have caused major financial harm as a result of their negligence. 

Conclusion : Equitables actions are unlawful and harmful, violating federal regulations designed to protect consumers. I request the CFPB investigate this matter, ensure compliance with applicable laws, and assist in securing a resolution to my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-23 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: IL

Complaint narrative:
I am writing to formally express my concerns with Zelles handling of disputes, particularly in regards to the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times my financial institution has failed to review my claims within a timely manner. They notified me telling me recovering the lost funds was impossible and tracking the transactions was infeasible. The CFPBs findings not only indicate Zelle has not only neglected to protect its users data but also allows repeat offenders to exploit their system, leaving users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation