vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Albert Corporation
State: CA

Complaint narrative:
Subject : Complaint Against Albert for Unauthorized Charges, Data Privacy Concerns, and Inability to Cancel Account To Whom It May Concern, I am filing this complaint against Albert regarding unauthorized charges, mishandling of my personal data, and significant difficulties in canceling my account with them. 

On XX/XX/year>, I noticed an unauthorized charge of {$8.00} on my bank statement from Albert. I have never signed up for a paid subscription or explicitly authorized this charge. Despite contacting the company to dispute the charge, they have failed to issue a refund or provide a satisfactory explanation.

Additionally, I attempted to cancel my account to prevent further unauthorized charges. However, Albert has made the cancellation process unnecessarily complicated, if not outright impossible. The lack of transparency and an effective mechanism for account cancellation has left me feeling trapped and powerless.

I am also deeply concerned about Albert retaining my private information. I did not consent to the use, storage, or sharing of my data and have repeatedly requested its deletion. The company has not taken any visible action to resolve this matter or confirm the removal of my information.

These issues reflect a pattern of concerning business practices, including unauthorized charges, inadequate customer service, and opaque account management policies, which I believe violate consumer protection laws.

I am requesting the CFPB 's assistance in ensuring the following : A full and immediate refund of the {$8.00} charged without my consent.

Confirmation that all my private data has been permanently deleted from Alberts systems.

Immediate cancellation of my account with Albert, including explicit confirmation of the closure.

A thorough investigation into Alberts practices regarding unauthorized charges, data handling, and account cancellation processes to prevent similar issues from affecting other consumers.

Please let me know if any additional documentation or information is required to process my complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I used Zelle to send someone who was claiming to be the owner of a house I was interested in renting out of market. I sent a total sum of {$1900.00} by the time I found out I was scammed I called my bank XXXX XXXX XXXX at the time to stop the transaction and was told the money was already taken out of my account and they could do nothing although it was a fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX  XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

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 2025-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I have an excellent credit rating. I went on line to make my mortgage payment and it had increased from {$1400.00} to {$1600.00}!! I am on fixed income due to being XXXX  and will have a hard time making my payment. I called Citizens Mortgage and the lady told me my insurance had gone up {$1000.00} per year and they made an adjustment. Keep in mind Citizens refunded me {$1000.00} last year due to overpaying escrow. Due to this they will have to refund me at the end of this year. I could live with a {$100.00} increase but XXXX XXXX per month is ridiculous. 
Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 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 m 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 2025-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have mailed several disputes to Experian. XXXX and XXXX requesting that my personal information be updated to my correct mailable address ONLY and to delete all old addresses where I can no longer receive mail. I have provided proof of my current mailing address by submitting a current utility statement at the time of the dispute along with my Driver 's License which shows my correct mailing address and Social Security Card. It appears Experian, XXXX, and XXXX are aware of the current mailing address, per their responses shown on the documents enclosed, however the address have not been updated on my report as specially Experian report number XXXX, ( see attached ) There are several items that did not appear on the previous reports that were deleted, that have now been reinserted to my Experian 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 2025-01-24 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 filing a complaint against Navy Federak Credit Union for multiple overdraft fees incurred over the past 24 months. Despite having the sufficient funds when the transactions were authorized, there were holds and lags in posting of charges and credits that led to my account being charged multiple overdraft fees. This issue aligns with CFPB findings against Navy Federal for similar practices. I am requesting an investigation into my account and transactions due to these unfair practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 submitting this complaint regarding an incorrect or unverifiable charge-off account reported by XXXX on my Equifax credit report. Despite disputing this account directly with Equifax, they claim the account has been " verified, '' but no sufficient documentation or proof of this validation has been provided.

The alleged charge-off is inaccurate and unfairly impacting my credit score. I requested Equifax to provide detailed evidence of the account 's legitimacy, including contractual agreements or statements proving the account belongs to me, but they failed to comply.

I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of all reported information.

I am requesting the CFPB 's assistance to : Investigate Equifax 's handling of this dispute. 
Obtain proper documentation from XXXX proving the validity of this charge-off. 
Have the incorrect charge-off removed from my credit report if it can not be verified. 
Supporting Documents : I have attached the following : My credit report showing the disputed charge-off. 
Federal Trade Commission Identity Theft report Proof of my information was affected by the Equifax data breach Desired Resolution : I request the removal of the unverified charge-off from my Equifax credit report or thorough documentation substantiating its validity.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi bank allows false identity to open up account, making the felon untraceable. Sofi needs to take accountability for negligently allowing someone to open an account with my personal information and terrorize me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 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 filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customer 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 has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The company has written off this from my account with them, and while trying to dispute with " XXXX '' the collection agency is still trying to collect on the account. They did NOT notify me of the closure, they never sent me a 1099C form.

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 2025-01-24 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: AR

Complaint narrative:
Im 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 2025-01-24 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 significant funds wins transactions were authorized I was charged fees due to lag posting of charges and credits this issue aligns with the recent cfpb findings against Navy Federal for similar practices where transaction settled with insignificant balances despite initially available funds I believe these practices are unfair and request and investigation until 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 2025-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Supposed Deficiency Balance of : XX/XX/XXXX Balance : {$6400.00} Model : XXXXXXXX XXXX Make : XXXX XXXX : XXXX Year : XXXX Account Number : XXXX The company did not hold up its part of the contract. My vehicle was mistakenly repossessed. This information was given to me via an EXETER FINANCE LLC operator. The payment was made and the vehicle was still repossessed. I wasn't able to dispute the mistake. Even I took all of the proper steps to be given back my vehicle. I did everything that was needed on my side and the company still fell short. The violated my rights a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Reaching out to Experian and XXXX to get updated information and challenge debt in my name to no avail. My username is the same as my email and when filing a dispute I do not hear back or receive any information, I try reaching out to the vendor that has the debt and they are unaware.

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 2025-01-24 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: VA

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. These items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me and are all the result of identity theft and fraud. I have also attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-24 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 applied to my account from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 inconsistent and deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is in regards to being mislead by my banking institution Capital one and an account that was advertised to be a high yield savings account. Yet my account does not reflect any of that interest even after having majority of my funds being placed into what was advertised to be a 360 checking account. This is highly outrageous and unfair as we are constantly being cheated by these banking institutions. Today I am looking to have this rectified

Company response to consumer: Closed with explanation