vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: GA

Complaint narrative:
Over several years, I have disputed multiple accounts on my credit report, as I do not believe these accounts are mine. Each time, I have requested proper documentation to verify the legitimacy and accuracy of these accounts, including signed contracts, account applications, or any evidence linking me to them. Despite my repeated disputes, the credit bureaus have failed to provide any proof or documentation. Instead, they continue to " verify '' the accounts without disclosing how this verification was conducted or what evidence was used. 

This ongoing behavior raises serious concerns about their verification practices and constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate, complete, and verifiable. The credit bureaus ' failure to produce evidence supporting these accounts, while continuing to report them, is both unlawful and damaging to my credit and financial stability. 

Since I do not believe these accounts are mine, and the credit bureaus and data furnishers have consistently failed to provide proof, they are legally obligated to delete these accounts from my credit report immediately. I am requesting an urgent investigation into their illegal verification practices and demanding the immediate removal of these disputed accounts.

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
{$400.00} was taken out of my account by someone unbeknown to me by way of cashapp XXXX XXXX. I tried calling customer service and opened an investigation through my back to get the funs back. Being that cashapp is a 3rd party my bank charge me the full {$400.00} putting my in the negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My mom passed away XX/XX/XXXX without a will. I hired an attorney to help with the probate process because I wanted to keep the house. After probate I bought my siblings out and was sole owner of the house. I refinanced the house so I could own the house. This was closed XX/XX/XXXX. My payment was XXXX. Now, my payment is XXXX starting XX/XX/XXXX. I CAN NOT afford that. I have called my loan agency and the county and there is nothing that either agencies can do. Seems there was a miscalculation when ( I dont know who - county/loan people ) assumed my taxes/insurance would be the same as my mom at XXXX monthly when in fact they seem to be at XXXX monthly. 

Im unsure what to do, it has not even been a year since I own the house and Im already unable to pay. When I was diligent to sign a loan I could afford. Any help, guidance, suggestions please. I dont know what Ill do come XXXX.

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: SC

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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WAFD BANK
State: WA

Complaint narrative:
Branch manger at XXXX XXXX XXXX XXXX XXXX in XXXX, 2025 I have tried to talk to XXXX the branch managers supervisor but she will not call me back. I have put in the request 3 times. In a week threatened to stalk my account and investigate every transaction that they seem that it wasn't me using my debit card. Even if I gave permission for my sister and to get things I need while on complete bed rest.

He said along the lines. That they will pull video from stores, exc., investigate every transaction that they seem suspicious that they think that wasn't done by me and if needed terminate my account.

Bank stalking is illegal and all he made a direct threat in where I now fear for my well being and the safety of my account and my close friends who may use my debit card with my permission He said if they deem any transactions not done by me they will investigate. And I asked how will you know and he said they will pull the video from the place the transaction was done at.

Now I fear my account is gon na be closed due to me doin nothing wrong.

He legally can not investigate my account like that without justification. They need something else besides just a gut feeling. 

What if I use my card at XXXX for {$150.00} and he decides that's suspicious were gon na look into that.. you can just can not investigate every transaction I make. I now fear he or others will bank stalk my account

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: WI

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc . ) for fraudulent transactions and false live customer support and identity theft

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: GU

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 2025-01-18 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: PA

Complaint narrative:
XX/XX/year> amount : {$430.00} i tried disputing it multiple times but nothing changed they are breaking the privacy act law by reporting any transaction to third party agency without my consent cause me harm to my credit worthiness

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: Incorrect information on your report — Old information reappears or never goes away
Company: Certegy Holdings, LLC
State: PA

Complaint narrative:
For the last couple of years, I have been trying to cash checks that have guaranteed funds such as government checks. This company named Certegy uses my credit reporting information and gives an instant reply to businesses, such as XXXX to let them know whether or not they can cash the check. I have tried to get a hold of this company to wipe out all information, but there is no way to contact them and the only thing they give you is a free report. This company is not a credit reporting agency. They are not reporting any kind of credit or issue with the credit. The only thing that theyre reporting is things that they have not cashed at the business that the business uses them. I have tried to cash US treasury tracks and been denied because of the credit reporting that theyre doing. The free report that I was given the only thing on it showed was checks that I tried to cash with them and they denied. There is no other credit reporting on there and they continue to deny me allowing me to cash checks at the businesses that they deal with. There is no way to get a hold of him to change anything and also no way to dispute.

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: CO

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 2025-01-18 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFFB lawsuit highlighting significant issues with the platform.

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: AZ

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 procest 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was a victim of the Equifax Data breach and Identity theft. As a result, many fraud accounts were opened in my name illegally. I have tried to work with Equifax on this and Equifax has done nothing. They are allowing Illegal accounts to remain on my report. On identity theft that there data breach has caused I have also been made aware on news of there false investigations. Please help me remove these illegal accounts from my reports effective immediately. I have attached a copy of my FTC IDENTITY THEFT REPORT also my POLICE REPORT with XXXX XXXX XXXX  where the thefts took place and Proof of My identity. Fraud accounts on my report consist of XXXX XXXX XXXX {$29000.00} XXXX XXXX  {$670.00} XXXX XXXX {$2900.00} XXXX XXXX {$2400.00} I appreciate your help in this matter this has impacted me financially and mentally XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO is a terrible bank. Not only did they never acknowledge their bait and switch on the promotion for opening these accounts ( see prior complaint ) and never honor the original bonus account, now we have two added problems 1. on the business account, they required a {$100.00} minimum deposit to avoid fees, which I made sure was in the account. I also had already signed up for e-statements as is obvious by me not being charged a paper statement fee for months somehow thru no fault of mine, they switched me back to paper statements. I didn't log in for a while as there was no need due to maintaining the minimum balance. when I did log in, I was horrified to see a bunch of fees draining my account They illegitimately charged me {$3.00} paper statement fee when I'd already signed for e-statements. That brought the account below {$100.00} and then they charged me account fees also. They refused to waive any but one fee so I lost {$19.00} 2. I then closed both biz and personal accounts but first transferred my remaining funds to the personal account. I was told a check would be sent with the remaining balance. It has been 3 weeks and I have received NOTHING. The account shows a closing debit of {$110.00} that has never been returned to me, in addition to the {$19.00} in illegitimate fees They have robbed me of {$130.00} ( in addition to the bonus they failed to honor earlier in the year )

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: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes partly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting my 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 infeasible. 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. I lost 1XXXX by sending money to the incorrect person and somehow my institution or Zelle deem that not worthy of an investigation completely unacceptable

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: NY

Complaint narrative:
Zelle wasnt checking and reassuring that funds that were being sent so it opened the door for fraud and scamming. Also certain information was potentially leaked since there are seven banks that own Zelle, one of which Im a consumer to.

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: PA

Complaint narrative:
You guys have broken so many laws and used so many fraudulent and fake information. I have tried calling the XXXX XXXX numbers and nobody answers I get left on open nobody helps. Ive had money taken out of my account. Ive had to make new accounts. Ive had people hack into my accounts and take my information and log me out of. Its where Ive lost a lot of stuff And you guys by law are supposed to have an online agent a real person working and you guys havent been in this AI stuff that yall are doing is ridiculous and its scamming people and its hurting families. You guys have taken money and my information for me which hurts me and my family and my kids and my home and Im not gon na continue to keep losing or giving into a company. who is it following the law and is out here scamming people. I want my money thats owed to me from all of my accounts that you guys have taken from me and a lot of people steal and Im going to keep writing complaints and if I have to sue every person who works for Cash App, I will.

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: NV

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 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: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to an inadequate customer service and unfair practices, which Violates the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an 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 a financial loss and I seek appropriate redress for these violations XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I had someone that was sent money from my account without my permission twice. I believe the amounts were {$5000.00} twice.

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: 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I

am writing to report an unauthorized transaction that occurred on my Zelle account. I did not authorize this transaction and believe it was the result of a scam.

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: IL

Complaint narrative:
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 the safety of consumers.

Company response to consumer: Closed with explanation