vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
While I was in XXXX on XX/XX/year> my accounts were hacked. I am having trouble with Chase Bank debit transactions ( checking account ) and XXXX credit card transactions. Even though I supplied both companies with a letter from my doctor stating I was in XXXX when these fraudulent charges were made they are telling me that I am liable for some of the charges. A lot of the charges were for digital gift cards, my email account was also hacked. Chase Bank is telling me Im liable for the charges because a small item was sent to my house ( the remaining amount was in gift card charges ). I dont know why XXXX decided I am liable for the 3 remaining charges. Neither company acknowledges that there was no way I could have made these charges since I was under XXXX. I have been dealing with both of these companies since this has happened and I would really like to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I am writing to express my concerns regarding Zelle 's handling of disputes, particularly in lieu of the recent CFPB litigation highlighting significant issues with the platform. Despite utilizing Zelle several times and reporting discrepancies, my financial institution and Zelle have failed to exercise the proper due diligence to investigate my claims. 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 its consumers but has also allowed repeat offenders the opportunity to exploit their platform, leaving their users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: MOHELA
State: WA

Complaint narrative:
Complaint - XXXX XXXX XXXX Dear Consumer Financial Protection Bureau XXXX I am submitting this formal complaint regarding private student loans taken out for my education at XXXX XXXX XXXX XXXX where I faced several significant issues that warrant attention and resolution : I attended from XXXX. The total amount in loans was XXXX Misrepresentation and Deceptive Practices : XXXX XXXX XXXX provided false and misleading information about several critical aspects of their programs. This includes inflated job placement rates, misrepresented accreditation status, and promises of a quality education that would lead to gainful employment. These deceptive practices led me to enroll under false pretenses and take out substantial private student loans. 
Loan Origination Concerns : The loans I secured were based on the institution 's misrepresentations. Had I been aware of the true nature of the college 's offerings and its future closure, I would not have incurred these debts. This raises concerns about the fairness and validity of the loan agreements, given the fraudulent nature of the information I was provided. 
XXXX XXXX and XXXX of XXXX : XXXX XXXX XXXX has since closed, leaving me and countless other students without the promised degree or any meaningful career prospects. The closure compounded the harm caused by their deceptive practices, leaving me with significant financial burdens from student loans with no viable path to repayment through the promised employment opportunities. 
XXXX and XXXX XXXX : The misrepresentation and subsequent closure have left me with unmanageable debt and severe financial distress. The lack of support and options for loan forgiveness or discharge from the lenders has further exacerbated this situation, placing undue stress on my financial and personal well-being. 
I am seeking a discharge of my private student loans due to the fraudulent practices of XXXX XXXX XXXX and their eventual closure, which have left me in a dire financial situation. I respectfully request the CFPB 's assistance in investigating this matter and facilitating the discharge of these unjust debts. 

Thank you for your attention and consideration. I look forward to your support in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX, and on XXXX occasions someone as been making payments towards my balance once for {$XXXX}, second for {$XXXX} and now {$XXXX} from TD Bank under my name in the form of payment by mail. I always pay my credit card payments to my XXXX credit card online using my checking account from schools first I never make payments by mail and I also have never banked with TD BANK nor does anyone in my family. I am afraid someone is stealing my identity to make these payments. I contacted my XXXX XXXX XXXX bank and they did not care and TD BANK has me on hold for hours.when they do answer they transfer me everywhere and then just hang up on me when I explain what is happening. Then say they are transferring me to fraud department they just hear radio silence and then it hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number # XXXX Subject : Failure to Reinvestigate Disputed Account in Violation of the Fair Credit Reporting Act ( FCRA ) Dear Trans Union I am writing to formally address your failure to conduct a reinvestigation of the disputed account, XXXX, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. As a consumer, I am entitled to accurate credit reporting and prompt reinvestigation of any disputed information on my credit report. 

On [ XX/XX/year> ] I submitted a dispute requesting verification and of inaccurate information related to the XXXX account appearing on my credit report. Under the FCRA, Trans Union is obligated to conduct a reasonable reinvestigation and respond within 30 days of receiving my dispute. However, I have yet to receive confirmation that a reinvestigation has been performed or any updated to my credit report. 
This failure to comply with FCRA requirements is a direct violation of federal law. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires a consumer reporting agency to conduct a reasonable reinvestigation to determine whether disputed information is accurate within 30 days.

15 U.S.C. 1681i ( a ) ( 6 ) ( A ) : Mandates that the agency notify the consumer of the results of the reinvestigation and provide any necessary updates to the consumers file.

To resolve this matter, I request the following : 1. Conduct a thorough reinvestigation of the XXXX account as required by law.

2. Provide me with a detailed response, including the outcome of the reinvestigation, any changes made to my credit report, and any documentation used to verify the accounts accuracy.

3. Send this information to my place of residence via U.S. mail at the address listed above. 

If you fail to comply with this request within 30 days of receiving this letter, I will have no choice but to escalate this matter, including filing a formal complaint. 

I expect your prompt attention to this matter. Please consider this letter as a formal demand to rectify this issue and provide the necessary follow-up. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Feel free to personalize this letter further and send it via certified mail for tracking purposes. 
Enclosed is my verification of my identity and identification

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filling 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. 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. 
Also allowing unknown users overdraw my account and did take necessary precautions to prevent this. 
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 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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 proct was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX  charge off {$XXXX} and sold the debt to Resurgent Capital Services

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Block , Inc . due to inadequate customer service and unfair practices which violates The Consumer Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account venerable and unprotected.

Furthermore, their dispute resolution process, was unfair and deceptive as they did not comply with dispute resolutions 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 2025-01-19 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 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 disputes resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The addresses listed are incorrect, and I called to have them deleted, but they still remain. The addresses are : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, XXXX XXXX XXXX should be marked as paid in full ; however, when they updated the information, it still shows as closed. Lastly, I disputed the XXXX XXXX XXXX entry because the information is 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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Subject : Reporting of Medical Debt by XXXX XXXX Dear CFPB I hope this letter finds you well. I am writing to bring to your attention an issue I have encountered with my credit report concerning a medical debt reported by XXXX XXXX  ( Account Number : XXXX ). 
All XXXX Bureaus are reporting this account its my understanding that a law was passed and medical debt should not be reporting on a 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 2025-01-19 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: OH

Complaint narrative:
Subject : Reporting of Medical Debt by XXXX XXXX Dear CFPB I hope this letter finds you well. I am writing to bring to your attention an issue I have encountered with my credit report concerning a medical debt reported by XXXX XXXX  ( Account Number : XXXX ). 
All XXXX Bureaus are reporting this account its my understanding that a law was passed and medical debt should not be reporting on a credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I sent XXXX XXXX to the wrong person using XXXX.i called Chase to correct my transaction but they told me it couldnt be reversed, so I never received any money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I used Zelle financial institutions either ignored or failed to resolve my complaints and discrepancies where not investigated or resolved. They informed me that I couldnt receive funds back. The cfpb found that Zelle neglected to protect consumers but also has allowed repeat offenders to abuse the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a few accounts that are not mines tried telling them i was living in a different state and i never lived at that address but that said that it was correct, and it was not. still trying to get them to remove them and the ones that they have removed they have put it back on there a few times after they said it was resolve and what i reported was correct

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation