vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: NV

Complaint narrative:
Ive reached the point of sheer frustration with the persistent inaccuracies on my report. These errors are more than a nuisancetheyre lowering my score, damaging my credibility, and limiting my future. Its exhausting to keep dealing with the same mistakes over and over.

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent lawsuit highlighting significant issues with the platform. Ive used Zelle numerous times and reporting discrepancies, I was told it would be impossible to return funds. Zelle has allowed repeat offenders to violate the system. Ive lost about {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
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 2025-01-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
moved out of XXXX XXXX XXXX  in XXXX XXXX, on XXXX XXXX and received a move out statement to new address on XX/XX/2024. The letter stated {$370.00} was the close out cost for damages and fees, but {$0.00} balanced owed to them because the XXXX XXXX  insurance paid what was due. Received a email from the apartment property management XXXX XX/XX/2024 stating we owed a balance of {$370.00}. XXXX we received phone calls and emails from Genesis collection credit company stating we owed a balance of {$370.00} for a balance due to the apartments. I sent the move out letter to the collection agency and they stated I still owed money from other reasons than what was in the move out statement. I let Genesis know we haven't received any other statement or letter stating I still had a balance. I went to the apartments and spoke with the manager there where she provided me with the confirmation that the apartments received a check in the amount of {$370.00} and that there is a {$0.00} balance on my account. Provided this information to Genesis and they are still stating we owe now $ XXXX and change but no proof to me what for and I still never received any other statement from anyone that there is a balance still owed. Spoke to supervisor at Genesis on XX/XX/XXXX or XXXX and he was supposed to email me the statements they received showing what I owed and still haven't received any email. Genesis is claiming this is not on our credit as of now. I can email the other emails I have from Genesis and XXXX XXXX showing what they sent me. Not able to download to send for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against EQUIFAX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as on my credit report. 
- Incorrect Name # XXXX : XXXX XXXX XXXX - Incorrect Name # XXXX : XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 



2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. 

3. Wrong Date of Birth : My Date of Birth is : XX/XX/year> Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Direct deposit has been down, i am supposed receive my pay wednesdays around XXXX XXXX  est, this week ive still received nothing and still am waiting for my pay, they didnt even reach out to anyone to say anything we had to found out the information ourselves through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 logged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transitions settled with insufficient balance 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 2025-01-16 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: IL

Complaint narrative:
I previously filed a complaint with the CFPB on XX/XX/XXXX, regarding fraudulent accounts on my Equifax credit report. At that time, the following account was removed after being identified as fraudulent : Creditor Name : XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ). 
However, this account has reappeared on my Equifax credit report, despite its earlier removal. It now shows as further in default, causing additional harm to my financial stability and emotional well-being. 

I have never authorized or benefited from this loan. My personal information was compromised during the Equifax data breach, which likely facilitated the fraudulent activity. 

Under FCRA Section 605B [ 15 U.S.C. 1681c-2 ], Equifax is required to block and permanently remove fraudulent information upon receipt of proper documentation. Their failure to do so violates FCRA Section 1681s-2, which prohibits furnishing inaccurate or unverifiable information. 

I submitted the following documentation to substantiate my claim : FTC Identity Theft Report Government-issued ID Proof of Address Confirmation of the prior removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
Hello I am writing to formally express my concerns regarding XXXX XXXX  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 XXXX XXXX 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) 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 2025-01-16 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: PA

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 XXXX XXXX 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX XXXX 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 XXXX XXXX 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 2025-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One unlawfully misled me and my father about its XXXX XXXX accounts and obscured its higher-interest savings product from us. When I inquired about my interest rate on my savings account, the teller whispered to a XXXX, and they offered me the XXXX XXXX. 
Capital One marketed its XXXX XXXX  account as a high interest account with a variable interest rate that was XXXX of the nations top, best, '' and highest, and would earn much more interest than the average savings account. It also assured former XXXX XXXX XXXX  accountholders that, with XXXX XXXX, they would still have great rates. However, from late XXXX to XXXX, Capital One lowered and then froze the XXXX XXXX account rate to just 0.30 %, even as rates increased nationwide. In contrast, starting in early XXXX, Capital One increased the XXXX XXXX XXXX account rate. In fact, the rate went from 0.40 % in XX/XX/XXXX to 3.30 % as of XX/XX/XXXX, and 4.35 % as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) 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 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My XXXX XXXX Account was compromised and my account was almost completely wiped before I locked my debit card. I reached out to XXXX but their customer service process requires me to request a call back, which I submitted XXXX days ago, along with an email and I havent received a response. Theres no other way to reach them. 

Here are the charges that were made on my debit card/checking account. All these charges were made in XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX, XXXX ) Date : XX/XX/year>XXXX XXXX XXXXXXXX AM Amount : {$200.00} Status : XXXX XXXX ( XXXX XXXX, XXXX  ) Date : XX/XX/year>XXXX XXXX XXXX  AM Amount : {$420.00} Status : XXXX XXXX ( XXXX XXXX, XXXX  ) Date : XX/XX/year>XXXX XXXX XXXXXXXX AM Amount : {$420.00} Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date : XX/XX/year>XXXX XXXX  XXXX AM Amount : {$1.00} Status : XXXX XXXX XXXX ( XXXX, XXXX  ) Date : XX/XX/scrub>XXXX XXXX XXXXXXXX PM Amount : {$200.00} Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXXXXXX PM Amount : {$1.00} Status : Declined - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: GA

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 to cover the transactions when authorized.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
XXXX overdraft fees have been hitting my account even when they write amount of money has been in the account. And for a prolonged time, I would have multiple pending transactions, but it would never seem that the transactions are paid for properly, so Im constantly getting hit with the overdraft fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I opened a line of credit with JP Morgan Chase USA NA in early XXXX. The line was created using my Social Security Number and signature, thus a credit line was established. In the spring of XXXX I attempted to settle the entire line with the sum said total over the amount OWED to me ironically, the creditor, with a lawful negotiable instrument, UCC 3-104, which JP Morgan Chase kept , did not return nor apply to the account. I sent another as they claimed they did not receive the payment. I indicated I had USPS Certified Mail and Green Return receipts sent to their Trustee, and the Corporate Office and copies of the refused instruments. This is a mail fraud violation. Rather than settling the total tendered, they started charging me exorbitant " late fees '' and increased the APR, which according to my research is a Truth in Lending Act violation. JPMorgan Chase then sold the debt, illegally reported derogatory marks with all credit bureaus, and then a debt collector law firm posing as counsel on behalf of the bank, which JPMorgan sold off, to sue me in court, which violated their own Agreement Policy. This information was presented to the Debt Collector law firm, and District Court, as Mediation is supposedly required per their own Agreement terms. JP Morgan was in dishonor ( UCC 3-502 ) for violating the lawful payment, unlawfully sold and closed off access to my credit line, which I funded with my signature and SSN. * ( 8 U.S.C. 8, 31 USC 3123 ) JPMorgan Chase is aware that my signature and social security number and signature funded the line of credit per The Federal Reserve Circular No XXXX application they submitted, and they in turn received a security in exchange. When they refused me for " non payment '' and I asked to see a copy of the contract showing their signature, none was present, only my signature was on the contract. JP Morgan Chase has not provided me with their W9, or any tax forms for the line of credit established using my personal data. They sold the note to a third party, which is identity theft. When will Financial Institutions, such as JPMorgan Chase USA NA, be held accountable for their SEC, TILA, CFPB, and Federal violations? I suspect the account is still open and they are still using my signature and SSN to trade and open lines without my knowledge. I sent signatory rescission instructions to the US Dept of Treasury, so JPMorgan Chase Bank USA is unable to access my account any further. I thank the CFPB for escalating this matter, as I am certain there are other people whose rights have been violated by this unscrupulous legal fiction entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
Recent law suit on zelle lead me to speak up. I had unauthorized {$290.00} taken out of my bank through zelle and when I tried to cancel the transaction it didnt permit me to which led to me immediately contacting my bank on XX/XX/year> I did not authorize the zelle payment not have I sent this causing me to file a dispute which was immediately denied because it was from zelle where its considered virtual money by the bank which immediately faults me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a 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 or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish

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