vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 an address fraud on their platform, leaving my 9832 account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not 374 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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 serviceand u fair practices, which violates 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 u protected. Furthermore their dispute resolution process was unfair and deceptively as the did not comply with error resolution requirements under the ElectronicFunds Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
They are charging so much in fees can not get the card paid down due to fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was supposed to get paid on XX/XX/2025. After reaching out to HR they advised that capital one bank was having deposit issues. Capital One Bank could not provide an ETA. My check was {$2300.00}. They are not able to accommodate my needs. This is unreasonable and unlawful. This issue is impacting everyone that has capital one bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One bank has withheld my payment from my employer for multiple days, without any ETA on when it'll be released to me. They were sent my payment on XX/XX/year> an it was not released to me as my check date of XX/XX/year> states. It's caused a disruption in my household, both mentally and economically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 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 a vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comp with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for These violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: NC

Complaint narrative:
I am writing to formally **file a complaint regarding the illegal overdraft fees** that the Consumer Financial Protection Bureau ( CFPB ) recently investigated. As a **loyal member since XXXX, I am deeply concerned about these practices and how they may have impacted my accounts. According to the **CFP
B 's enforcement action**, Navy Federal was found to have **illegally charged overdraft fees** on debit card transactions and ATM withdrawals, even when accounts showed sufficient funds at the time of the transaction. This resulted in XXXX  in unfair fees** imposed on members, including myself. The CFPB has ordered Navy Federal to refund over ** {$80.00} XXXX to affected customers** for these deceptive practices. 

Additionally, I have personally reached out to **Navy Federal multiple times** seeking an explanation as to why my account is overdrafting when the **mobile app clearly shows I have available funds. ** Each time, I have received **no clear or satisfactory response**, leaving me frustrated and financially impacted by these unjust fees.

I am requesting : 1. **A full review of my accounts** since 2014 to determine if I was unfairly charged overdraft fees.

2. **A refund of any improperly assessed fees** in accordance with the CFPBs ruling.

3. **A clear explanation of how my accounts were affected** and assurance that these practices have ceased.

As a long-time member, I expect transparency, fairness, and adherence to consumer protection laws. I urge Navy Federal to handle this matter promptly and ensure that all impacted members receive the compensation they are entitled to. 

Please respond to this complaint as soon as possible with a resolution. You may contact me at XXXX or XXXX regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXXNavy Federal Member Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I was supposed to received my direct deposit of my payroll check from my employer. I did not received it. At XXXX on XX/XX/year> I received an email from Capitalone that they expect services to gradually begin to return to normal throughout the day and the majority of the issues will be resolved by Friday XXXX. Today is Friday XX/XX/year> XXXX ( cst ) and my payroll check has not been deposited into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
My account was closed because they said suspicious deposits. The ending balance was XXXX back in XXXX I got in contact with them due to the large sum of money this year in XXXX and they told me the funds was sent to the states unclaimed property but there is no property for me to claim from Chime financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XX/XX/year> I joined Navy Federal Credit Union and was pre-approved for an Auto loan ( XX/XX/year> ). I received a " Not to exceed '' check ( up to {$33000.00} ) for the dealer. When I went to purchase a vehicle a several weeks later ( XX/XX/XXXX ), Navy Federal refused to verify the check claiming my account was suspended pending an investigation for fraud. I was never notified and was told to download and submit a " Security Appeal Form '' which will take up to two weeks.

To complete the transaction, I had to apply/agree to a dealer provided loan at more than double the interest rate I was pre-approved. 

Several attempts ( XXXX XXXX, XXXX XXXX XXXX  ) to obtain the status of the " investigation '' failed to get any answer. Finally received a response XX/XX/XXXX asking for more identifying information,. 

Two days later I get the following response not related to the investigation : [ Dear Member : This letter concerns your request for the restriction to be lifted from your account ( s ).

We have carefully reviewed the information you provided. In view of the unsatisfactory manner in which you maintained your previous account ( s ), we are unable to remove the restriction at this time.

If you have any questions regarding this matter, please let us know. You may call us toll-free anytime at XXXX. 
Sincerely, Fraud Operations ] -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX I Called to discuss but was put on hold and disconnected after a while. 
============================== On XXXX XX/XX/year> I secured a refinance loan with XXXX and called Navy Federal to close out my account and refund my deposit into the savings account. After a while on hold, the rep came back an to me I could ONLY close out my account at one of their branch offices. The closest one is an hours drive from my home! The rep refused to close out my account over the phone or accept a written request.

Requiring a consumer to physically drive to a distant location just to close out an account that was opened and processed entirely over the phone is unreasonable. This policy appears to be a deliberate tactic to discourage consumers from closing accounts and recovering their deposits. I am a veteran and senior citizen with health issues so driving an hour each way, is an unnecessary burden on me. 

Since opening the account and receiving pre-approval was all done over the phone, this matter should be easily resolved over the phone. The amount of the refund check is ONLY {$5.00}!!! 

I hope you can stop this company from preying on other consumers. 

Thank you for any help you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: MD

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. 
XXXX XXXX XXXX Balance : {$27000.00}

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 2025-01-17 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: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: FL

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 is 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 transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IN

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One banking deposit issues persist, I have automatic bills coming out but have not received my fund from direct deposit. I have XXXX access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
Equifax continue to keep XXXXXXXX XXXX  on my credit report for credit card debt even after I seemed attorney to clear up credit report. It is still on my credit report as delinquent to this day in 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been waiting for over 48 hours to receive two separate direct deposit checks. Capital one waited 24 hours or more to issue an email stating there is a technical issue. I have bills that are due which will now acquire a late fee when paid. It is an inconvenience to everyone who this has affected with little to no communication. There is a holiday on Monday and some of us rely on our hard earned money to eat, transport to jobs, health centers and pay our bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One still has my paycheck that I need deposited into my checking account. They said it would be fixed by Friday morning. Well it's XXXX ET on Friday and I still don't have my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: NJ

Complaint narrative:
My personal information was involved in multiple data breaches and I contacting credit agencies to dispute and update information. Unfortunately that information is still inaccurate

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 2025-01-17 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: FL

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 2025-01-17 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
I am filing a complaint against Cash App ( Block inc. ) due to inadequate customer service and unfair practices, which violated Consumer Financial Protection Act ( CFPA ). 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 and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation