vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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: IN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 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 regulation E. These actions have caused significant inconvenience is and financi, and I see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delay of posting of charges and credits. I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe theses 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 2025-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MN

Complaint narrative:
I am writing to formally file a complaint against Toyota Financial Services regarding their refusal to provide adequate payment extensions for my car loan. 

I have been experiencing significant difficulties due to personal health challenges, which have temporarily prevented me from returning to work. I reached out to Toyota Financial Services on multiple occasions to request payment extensions to help me manage my financial situation while I recover.

Initially, they granted me two months of payment extension. However, I still was not in a condition to return to work at the end of that period. When I called them again to request an additional extension, they refused, despite my explanation of my ongoing challenges and need for time to recover properly. 

I made several attempts to explain my circumstances and requested their assistance to avoid financial hardship and protect my vehicle from repossession. However, they have consistently denied my requests. Recently, I was informed that they have initiated the process of repossessing my car. 

I believe this decision is unreasonable and lacks consideration of my efforts to communicate and seek a solution in good faith. Losing my vehicle would severely impact my ability to regain stability, including the ability to return to work once my health improves. 

I am seeking your assistance to address this matter and urge Toyota Financial Services to reconsider their decision and provide me with the additional time needed to recover and resume my payments. I would greatly appreciate any support or intervention you can provide to help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: NY

Complaint narrative:
i am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but 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 2025-01-18 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:
( 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 2025-01-18 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: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding the gross negligence exhibited by XXXX in safeguarding my personal information, which was compromised during their widely publicized data breach. This breach, which exposed the sensitive information of over XXXX XXXX XXXX, including mine, is a direct result of XXXXXXXX XXXX failure to implement adequate security measures. 

As a consumer, I entrusted XXXX with highly sensitive personal information, including my Social Security number, financial details, and other identifying data. Their failure to protect this information has caused me significant distress and has exposed me to a heightened risk of identity theft and financial fraud. 

To date, I have not received adequate assurance from XXXX that they have taken meaningful steps to rectify the harm caused by their negligence. Furthermore, their response to this breach has been lackluster, with insufficient compensation or support offered to affected individuals like myself. 

I demand the CFPB take the following actions immediately : Conduct a thorough investigation into XXXX XXXX security practices leading up to the breach and ensure accountability for their failures. 
Impose strict penalties and sanctions on XXXX for their negligence and the resulting harm caused to consumers. 
XXXX XXXX to provide long-term credit monitoring and identity theft protection services to all affected individuals, at no cost. 
Require XXXX to implement enhanced security protocols and undergo regular audits to prevent future breaches. 
The CFPB has a responsibility to protect consumers from corporate negligence and ensure companies like XXXX are held accountable for their actions. I expect prompt action from your agency to address this matter and protect the interests of affected individuals. 

I am prepared to escalate this issue further if necessary, including seeking legal remedies and involving my elected representatives. 

I look forward to your timely response and a detailed outline of the actions the CFPB will take to address this issue.

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 2025-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Delphi Law Group, LLP
State: CA

Complaint narrative:
On XX/XX/XXXX, finally received a bill with fines from law firm and I demonstrated a grant deed I am on title. 

In XXXX XXXX previously sued for a XXXX vioaltion which turned to a XXXX, ooo fine and XXXX, ooo legal fee. 

The company failed to allow me to discuss matter on behalf of my husband, and I was the one paying the HOA. 

Now the problem is reoccurring. They bar me from obtaining information, not payments are rejected, returned to bank via another company called smartstreet. No will give me information : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX secretaries, attorneys, XXXX XXXX were dues are paid, all. 

Fees now are XXXX and will continue if not paid. 

No due process, violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We were asked to force our tenants to be moved out of the community, and they were not going to settle until that was done. We had to show proof that they were moved out. 

We were threatened by the other neighbors when we returned, Hoa did not intervene, and we chose to make the property a rental again.

Now the same things are happening. Hoa not sending my husband bill. I am trying to pay, refuse to speak with me. I had no idea I needed to add my name to title, and did not know how to do it. 

We refinanced, in XX/XX/year> and the tile was changed. Sent the trust deed showing us both on loan, XXXX XXXX dismissed that evidence. They continue to add excessive and unnecessay fees a practice they have done in the past. I requested time to obtain a copy of XXXX deed, they continue to add more fines. 
My husband is XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and only has a high school education.

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recent looked at my credit profile and noticed there were a number of fraudulent accounts and inquiries on my credit report that I did not give my consent for. Those accounts and inquiries consist of the following : XXXX XXXX XXXX The fraudulent inquiries that I am referencing consist of the following : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: CA

Complaint narrative:
I am writing to dispute the continued presence of an inaccurate item on my credit report that has already been removed from my credit files at XXXX and XXXX but is still appearing on my experian credit report. This inconsistency is not only affecting my credit score but is also a violation of my rights under federal consumer protection laws. 

The account in question is : Account Name : XXXX XXXX XXXX Account Number : XXXX Date of Removal from Other Credit Bureaus : year XXXX Upon reviewing my credit reports, I discovered that while this item was removed from both XXXX and XXXX following a dispute, it still appears on my Experian report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this statute, I have the right to dispute inaccurate or outdated information on my credit report, and the credit bureau must investigate and correct any errors within XXXX days of receiving a dispute. 

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), which amended the FCRA, information on my credit report must be accurate, complete, and up-to-date. The continued reporting of this item after it has been removed by other bureaus is a failure to meet this standard. 

Given that this item has already been corrected by XXXX of the XXXX major credit bureaus, I respectfully request that XXXX investigate this matter and remove the outdated information from my credit file promptly. This item is harming my creditworthiness and is an obvious violation of my rights under the FCRA and FACTA.

Please confirm the following : The investigation of this item in accordance with FCRA Section 1681i.

The removal of the inaccurate information from my Experian report.

A copy of my updated Experian credit report reflecting this correction. 
I expect this issue to be resolved within the XXXX period mandated by the FCRA. Failure to comply will leave me no choice but to pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies for the violation of my consumer rights. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the correction.

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 2025-01-18 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 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 Fraud 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 2025-01-18 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: TX

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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 cashapp ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ).

Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving me and more U.S citizens or any who used the app accounts vulnerable and unprotected. Furthermore their dispute resolution process was unfair they did not comply with error resolution requirements under the ( EFTA ) and regulation E. With the inconvenience of these actions and them knowing Ive experienced financial loss and have been sent emails before on my data being compromised after being provided with customer service help. I seek professional assistance and appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am submitting a complaint against XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. & 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required XXXX-day period ( 15 U.S.C & 1681i ( a ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
Block , Inc due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPXXXX ). 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 andXXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
So in XXXX of XXXX I went to XXXX and purchased a Real XXXX which turned out when I returned to XXXX the XXXX was a complete fake so I took it to a XXXX authentication center and they gave me a paper I still have today and stated that it the XXXX was a complete fake and when I tried to contact the company that sold me this fake Rolex they blocked me and wouldnt pick up my calls so I immediately called the bank because when I was out in XXXX the store worker persuaded me to use XXXX to send him XXXX dollars and he grabbed my phone and sent him self XXXX under the name of social media I let the bank know ( chase ) and they told me due to it being through XXXX I wont get my money back but XXXX still reimbursed me for the other XXXX I lost so all together I lost out on XXXX originally purchased price was XXXX I just want to get my XXXX dollars back I feel if XXXX would have more control of the app I could have easily gotten my money back without losing out on XXXX dollars due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CA

Complaint narrative:
( CFPB ) has recently filed a lawsuit against XXXX, 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 XXXX 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 disputed accounts, as XXXX 's inaction violates federal law and my rights as A consumer

Company response to consumer: Closed with explanation