vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

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 2025-01-20 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
On XX/XX/2023 I asked the XXXXXXXX XXXX XXXX of First Horizon Bank to put a security freeze on my bank account while under litigation with my ex-fianc. The bank officer confirmed that no funds could be moved from the account without his approval. 

On XX/XX/2023 the branch manager assured me that my XXXX XXXX XXXX payroll would be locked into the account until I visited the next day to withdraw it. 

On XX/XX/XXXX, someone at First Horizon took the fraud hold off my account, and the entire payroll check was transferred out by my ex-fianc of whom an order of protection was granted against. 

First Horizon now reports me for Account Abuse to XXXX XXXX. This has prevented me from opening up any new accounts anywhere. 

I have disputed this information with both First Horizon and XXXX to no avail. 

Please remove the improper reporting of this account. XXXX XXXX is the culprit for account abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am requesting that you provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. Proof that I owe the debt : The name and address of the original creditor, the date the debt was incurred, and a copy of the original agreement. 2. The amount of the debt : An itemized statement of the account, including the principal, interest, fees, and any other charges. 3. Proof of your authority to collect : Documentation showing that you have the legal right to collect this debt. I request that all communication regarding this matter be in writing and that you cease any further contact until you have provided the requested validation. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MD

Complaint narrative:
I called XXXX and was told in so many words there is nothing they could do over phone and was directed to web site. Once I got to web site the website itself did not work. I repeatedly called and attempted to use web site to no avail. I also discovered that my information was compromised in the most recent XXXX data breach and I still did not get any response or assistance. 
I'm constantly getting identity and other fraud alerts when I apply for credit. Also theirs missing and inaccurate info on my credit report. When I spoke to XXXX they did not help me. My credit score comes up XXXX or unusually low also when creditors run my credit. I have spent/wasted hours or days on phone trying to get it fixed. This has costed me time, energy, and money. I have also been denied access to credit which is having a negative impact on my quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
Unauthorized transaction on account and I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I received a notification, from my credit reporting agency stating my credit dropped XXXX points, from XXXX XXXX XXXX, I called XXXX to get more information and they were rude and hung up on me, i called again and spoke with someone who stated they were collecting a debt. For XXXX california XXXX in the amount of {$3400.00} dollars, I hung up and immediately called XXXX california XXXX, and XXXX stated that in their records i didn't owe anything, i was never notified by XXXX by phone or mail that I had a debt, this torres credit services comes from out of nowhere stating that this money is owed! XXXX California XXXX says otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: IL

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 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I came across the CFPB XXXX lawsuit. 

I feel i was negatively impacted by Equifax hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ''. 
But i don't see any details about your investigation. 

A fine will be applied soon if proper investigation isn't applied too. 

Please provide details to investigation or delete accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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:
I am filing a complaint against Cash App ( block , INC ) due to inadequate customer service and unfair practices violating 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 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 2025-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: MS

Complaint narrative:
My issue is this, on Thursday, XXXX XXXX XXXXXXXX. I borrowed {$100.00} from Cash App. I made a utility payment online via web portal on XXXX XXXX XXXXXXXX. ( the same day as the loan was issued by cash app ) for a total of {$100.00} and received a confirmation ( see attachments ) immediately after the payment was made. However, on XX/XX/XXXX XXXX. the transaction that was made the previous day ( XX/XX/year> ) in the amount of {$100.00} was declined by cash app with NO explanation for what happened. Not only was money there, but the date and time that was documented by Cashapp DOES NOT match the date and time that I have documented ( see attachments ). The money was in fact there as multiple transactions as well as withdrawals were made AFTER the transaction was declined. Not only was my transaction declined but, my water disconnected but I then I had to pay over {$400.00} THAT DAY ( {$100.00} that was DECLINED along with NSF fees AND a reconnect fees are included in this total ), to have my water reconnected. The transaction should have NEVER been declined by Cash App yet it was. Cash app LOANED me the money and yet DECLINED it when the money WAS there. I have been trying to catch up on my other expenses because this transaction being declined put me back OVER {$400.00}. Not only did the borrow amount slowly get lowered but now it says that the account has been closed because I have not paid back the loan. Not only can I NOT afford to pay it back while Im paying the other bills that were put on the back burn because of Cash Apps negligence but, I dont feel as though I should have to pay it back now that I have been put in this predicament! I want to reiterate this to you because I am beyond frustrated that I have been unable to get my issue resolved. I have FULLY explained this to multiple customer support team members and I have sent multiple messages via email and via app with images attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
XXXX I have auto insurance with XXXX, there was a change in rate. I called to complaint and mention that I will change my insurance company. 

I obtained insurance from state farm, coverage starting on XX/XX/XXXX XXXX my policy with XXXX was paid till XX/XX/year>. 

XXXX has sent me notice that they are cancelling my policy, obviously I have obtained a new policy already. Later they send me an invoice for insurance coverage till XX/XX/year>. As a part of communication I have forwarded the copy of my new insurance to the number forwarded to me. 

Now they are sending colloection notice via 3rd party. 

Totally a scam, you are not able to communicate with a person, they keep you on phone line for ever wasting your precious time. 

I am attaching the proof of insurance that I have for the cars with state farm for those dates. 

The Reference number given to me XXXX XXXX XXXX Credit Collec tion Services XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 filing a complaint against Cash App due to inadequate customer service and unfair practices, which violate the 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 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 2025-01-20 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 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 2025-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: ND

Complaint narrative:
I have not opened a new credit cart account for several years, but today ( XX/XX/year> ) I received several emails from Chase with the first one stating that I have a new credit cart approved through them with account ending in XXXX. Then I received an email stating that I activated my phone ( but not my phone number ) to use the Chase mobile app. Next email from Chase was a notification that I signed in with a new device ( XXXX XXXX XXXX ) -- which I don't have. The next email stated that I was signed up for paperless communication. The next email was an alert that had a change in contact information. The next email stated that I have now signed in with a new device ( XXXX XXXX ). The last email stated that Account Alerts through the Chase app were set up for the XXXX. The first email was time stamped XXXXXXXX XXXX CT and the last at XXXXXXXX XXXX CT. 

I tried to contact Chase, but I can not get through to talk to a representative because I don't have a complete account number to give them -- just the last four digits. I don't have any account with them. 

I realize that those emails could be phishing emails, but I also don't want anyone to open an account on my name. I did receive an alert right after the email that I was approved for the Chase card through my XXXX XXXXXXXX account that XXXX credit had an update to my credit report and when I checked that report, it listed JPMCB had made a credit inquiry. 

The email had my name and email address. I don't know if they also used my SSN and address to also be able to get the credit card, but I would guess that those are also compromised. Since they opted for paperless communication, not sure if they listed by address as the billing address,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation