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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting signiticant 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 transactions were 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. The lack of accountability and transparency is inaceptable and raises serious concerns about consumer safety

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: TX

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 issues 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 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: Block, Inc.
State: AR

Complaint narrative:
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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I have received a copy of my credit report and there is inaccurate personal information on my report. There are several incorrect personal identifiers listed in my credit file and I am requesting that any information that is not completely accurate be removed. I am very concerned that the information that is being incorrectly reported may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already. 

My one and only correct first and last name is XXXX XXXX. I have no other requisite reported names or aliases. I want all other versions of information similar or alleged as being my name removed from my credit report. 

My current correct address street number , street name, city, state is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I want this information updated in my file and to reflect ONLY my above mentioned true accurate undeniably valid current correct address and any other reporting addresses that are not exactly as I have submitted above removed. The other addresses are not deliverable to me by the U.S. Post Office and not reportable as per the FCRA section 623 since they are not yet proven accurate. 

I want all alleged employers that are listed on my report removed. 

My current phone number is XXXX. I want all other phone numbers removed from my report, otherwise I want proof provided that they have verified them to be completely accurate and perfectly factual. 

I do not authorize you to retain or report any not requisite reported, not certified complaint, potentially outdated, potentially inaccurate, and or otherwise unverified even invalid alleged personal identifier information. 

In accordance with consumer protection laws, I request that these noted items be removed from my credit report. I know that you are only legally permitted to distribute requisite reported certified complaints and verified valid claims that are true and as reported. I do not give you permission to publish any outdated or incorrect information about me. I understand that you must complete this update within 30 days of the receipt of this complaint per law 15 USC 1681i ( a ) 1.

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: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Someone got unauthorized access to my account and send money to them selfs I tried to call and get it back no one helped once its gone its gone is what they said

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 — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
Every time I recieve or deposit money its been took from my account no matter what the amount is

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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I need regulatory XXXX Of my inquires that are less than 12 month old that are not pertaining to me. Besides companies are closed my account but all debt were paid in accordance. This items are harming my credit scores when I have been paying everything and consistently in accordance to rules and regulatories.

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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I need regulatory XXXX Of my inquires that are less than 12 month old that are not pertaining to me. Besides companies are closed my account but all debt were paid in accordance. This items are harming my credit scores when I have been paying everything and consistently in accordance to rules and regulatories.

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 — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I need regulatory XXXX Of my inquires that are less than 12 month old that are not pertaining to me. Besides companies are closed my account but all debt were paid in accordance. This items are harming my credit scores when I have been paying everything and consistently in accordance to rules and regulatories.

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: NV

Complaint narrative:
I am filling 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 regulations 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: Block, Inc.
State: MA

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 2025-01-18 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: CO

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was 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 abuse/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: MO

Complaint narrative:
account. 
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 2025-01-18 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed 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 the disputed accounts, as Experian 's 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OK

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

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

Complaint narrative:
I am formally expressing my concerns regarding Zelles handling of disputes, particularly in the light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible to tracking these transactions was infeasible.

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

Complaint narrative:
I am very disappointed with the handling of disputes by the credit reporting bureaus. I have submitted proper documentation showing errors and inaccuracies regarding my credit reports. It's my understating that the credit reporting bureaus receives public record information and consumer information from XXXX XXXX XXXX XXXX. I have submitted documentation from XXXX XXXX correcting those items to the credit reporting bureaus and yet the items remain. The Credit Reporting Bureaus are violating the FCRA. CRAs have a duty to follow a reasonable procedure to assure that the information on the report is accurate. See 15 U.S.C. 1681e ( b ). CRAs may report the filing of a bankruptcy because it is a Public Record but in my case XXXX XXXX conducted a review and found the record unverifiable and removed from their records. Also, the CRA 's are not removing the reported identity theft items from my credit report after evidence is submitted.

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: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
I don't know XXXX XXXX XXXX. This is on my credit report and I want this removed.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
I don't know XXXX XXXX XXXX. This is on my credit report and I want this removed.

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 2024 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 30 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 two of the three 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 30-day 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing this 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 issues my financial institution and zelle failed to investigate my claims. They informed me recovering lost funds was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed offenders to exploit the system, leaving users vulnerable to scams.

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: MI

Complaint narrative:
I am filing a complaint against cash app ( XXXX XXXX ) due to inadequate Customer Service and unfair practice which violates consumers financial protection act ( CFPA ).

Specifically cash app fail to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected Furthermore, there dispute resolution was unfair and deceptive as they did not comply with errors resolution requirement under the electronic funds transfer ACT ( EFTA ) and regulation E these actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation