vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: MD

Complaint narrative:
The credit card company pass the account to a credit bureau, I get constant calls, emails and text... it is really annoying... I would like for it to stop, it's been over 10 years now. 

This is harassment by the debt collectors!

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
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 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. 2025-CFPB-0002 ) 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: 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 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: 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 requirement under the Electronic fund transfer Act ( EFTA ) And regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress, for these violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MI

Complaint narrative:
I had a Cashapp account and suddenly I was informed that my account was closed due to a review my account ( $ kikidoyoulovme ) has been found to be in violation of our Terms of Service policy. I typed in the chat bot screen, asking what policy terms did I violate. I was informed that, that information was not available contact customer service for further details. I tried to contact the links provided but they gave no other details than I already received and links that I already had. I was never contacted neither did I get to speak with any human representative. The app refunded my balance back to me but I also had a few stocks that I had accumulated dividends from still accumulating on the Cashapp forum. I did not want to cash out my stocks I bought them to invest long term. I have not received any response from Cashapp support regarding my issue its been about XXXX yrs. I have tried to open a new account and have been issued a message that I can not due to policy violation. I never violated any policy of cashapp I only transferred money from my account to people for goods or service payments or to my children.

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 information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
It was numerous numbers of times that I lost out on money dealing with Cash app when I try to contact their database, they did not reimburse me or let me speak with a real person in order for me to explain my options so I just lost out I am a XXXX person on a fixed income, and I cant afford to lose out on any more money

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: TX

Complaint narrative:
On or around XX/XX/XXXX I received a deposit of funds for the amount of {$1100.00} into my banking account. I began paying bills and the rest of the money I had left over from my available balance was {$810.00} which sent directly to my XXXX XXXX. I have proof that the available balance was transferred the same exact day. A few days later, I check my bank account and notice my account is overdrawn. There was an amount processing for {$410.00} that was allowed to overdraw my account. The funds I transferred to my XXXX XXXX had been allowed to sit pending and done processing on XX/XX/XXXX. The amount of {$410.00} was said to had been processed and cleared XX/XX/XXXX. I also have two returned check fees as well as a {$20.00} overdraft fee from Navy Federal. When I called Navy federal to speak to them about the manner I was told I had to verify my identify in either by mail, in person, or by email. I did what was asked of me allowed some hrs to pass by and called Navy federal back to see if they had gotten my information that I emailed to them. They said that they received the email with no attachments and that I could send it via text and I would have to wait all over again to see if they had gotten. I send the information by email with the attachment and proof that it was an attachment to the email. I call back the next day, talk to a rep for Navy Federal to be told that they did not receive the information yet again. So I send it a third time. She places me on hold and tells me they finally got it and that I would have to wait two business days before I could even have them take a look at my account to why it is in overdraft and what we could do to resolve this issue because my account does not have overdraft protection and if that would have to still fall on me be cause of their mishaps and mess up. My account is now overdrawn almost {$500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( B

lock , 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

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 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 fraud transfer act ( EFTA ) and regulation E. These actions have caused significant insufficient 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there were fraudulent accounts on my report, please remove this account from my report, they are hurting my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I received a letter from Nelnet ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) stating : " On XX/XX/year>, a federal court issued a stay preventing the Department of Education ( ED ) from operating the Saving on a Valuable Education ( SAVE ) Plan. As a result of this ruling, ED has directed Nelnet to put your account into a forbearance. '' And as a result of this " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' However, interest has been accruing, and at an extreme rate. This company is incredibly difficult to actually talk to a real person. I've spoken to many people who are having the same issue. This very much feels like cruel and deceptive business practices.

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: AP

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This appears consistent with recent findings by the cfpb, which identified similar practices by navy federal credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App, due to inadequate customer service, and unfair practices, if not being able to contact an agent to get issues handled when needed. This violates the CFPA. Cash app did not handle nor process my concerns nor requests timely, or efficiently. Cash so had had multiple issues with fraud throughout their platform, which made my account vulnerable to discrepancies. I had someone use my cash app to make multiple purchases that were fraudulent, I was never able to speak with a human on the phone, now I am unable to cancel that card and receive a new one. They did not comply with error resolution requirements under EFTA and regulation E. These actions have caused financial loss, and added stress.

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: KS

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I recently tried opening a bank account and was denied due to reporting by Early Warning Services. These are the negative listings on my report. 
XXXX ) XXXX New York ; XXXX XXXX XXXX New York, XXXXXXXX XXXX  # XXXX / XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX  Routing # : XXXX Account # : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  Routing # : XXXX Account # : XXXX These accounts are fraudulent and are a violation of my rights. I have included an identity theft report # as well as a copy of my drivers license for proof of identity. Also I included scanned copies of the Early Warning XXXXervices Report that includes the false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I am writing to file a claim formally regarding an issue I encountered with a series of Zelle transfers conducted through my XXXX  XXXX XXXX account. Unfortunately, due to a lack of confirmation on where my funds would be sent, I have lost a total of {$300.00} across three separate transactions. 

Details of the Issue : I initiated three Zelle transfers through my XXXX  XXXX XXXX account, totaling {$300.00}. 
At no point was I provided with adequate confirmation regarding the recipient or final destination of these funds before completing the transfers. 
As a result of this lack of clarity, I believe the funds were sent to an incorrect or unintended party, leading to my financial loss.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Not accurately investigating my complaint for the removal of this information from my credit report. They didn't reinvestigate or provide any ne details on how it was verified. It was lvnv funding and att. Returned back stating it was found to be accurate and either left it there or placed it back on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 tak timely and effective measures to prevent ai 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 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 — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have been being charged overdraft fees on my checking account for insuffienct fund before the transaction settled and when I have enough money to cover this has been going on for years a lot of money has been taken for me and no one can make this make sense

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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I Would like for any negative accounts on my Experian and XXXX credit report to be removed as they do not belong to me. I am a victim of identity theft and my information has been leaked in a data breach. Accounts that are positive and paid in full belongs to me only. Experian refuses and has not fully investigated all negative accounts as they reappear after deletion or has never gone away. This is a big inconvenience that is affecting my credit score daily. Here 's a list below of all accounts that has not been removed or reappeared after sending proof numberous of times. 

XXXX XXXX XXXX XXXXXXXX XXXX Account belongs to Ex spouse used my information without my consent/ authorization. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and any other negative 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