vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent cfpb findings against navy federal credit union 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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are several inaccurate inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks are detrimental to my credit health.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ME

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: OH

Complaint narrative:
On Friday XX/XX/XXXX I had noticed a deposit to Robinhood with my bank bounced and I cleared it with my bank that it was legitimate. They instructed me to try again, at which when I tried to, my Robinhood account was frozen. They said my account is restricted for unusual activity. Said I would receive an update by XX/XX/XXXX. I'm writing this the night of XX/XX/XXXX. I have had almost no communication from Robinhood, I've requested calls back and have gotten nothing. They are holding my account XXXX and I can't even complete my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 XXXX XXXX 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 ( 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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App 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, leaning 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 XXXX XXXX Transfer Act ( XXXX ). These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
On XX/XX/year> I tried to cash app my niece money for her to go grocery shopping. Cahapp said my account was closed because off some illegal activity. When I asked them over and over again tell what happened I can show you who I cash app. They just get angry with me and send me rude email and say I can never use cash app again. I asked them if the account was hacked once again the get angry and send me the same email mail. I told them I have a right to know what was done to my account. So I can protect my self. They really got angry. I believe this fraud is a inside job, and my old bank account XXXX  XXXX XXXX whom I am still battling with my be connected. I feel my civil rights has been voileted, I know that cash app has been in a class action law suit recently. Thank you so kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filling a complaint against Cash App XXXX 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 2025-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Healthcare Collections, LLC
State: NC

Complaint narrative:
I submitted my initial dispute on XX/XX/year> and have yet to receive proper verification of this account or an adequate response, as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, I have the right to request and receive verification of any debt reported to the credit bureaus. As part of my initial dispute, I requested : Validation of the debt, including a copy of the original signed contract or agreement proving I am legally responsible. 
Proof that you have the legal right to collect on this account. 
A full accounting of the alleged balance. 
To date, I have not received sufficient evidence supporting the validity of this account. If this debt can not be verified as accurate and complete, it must be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: PA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Opened on XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX. I called Chase on XX/XX/year>, on or around, XXXX XXXX  PST. The first agent was a XXXX in the XXXX. I asked her to transfer to XXXX XXXX Department. I was then incorrectly transferred to customer service. I was transferred to a XXXX agent in Texas who said he was not the payment services dept. I was then cold transferred by the Texas agent to a XXXX named XXXX in Texas. She had no idea who I was or why I was calling and I had no idea what dept. she was in. Agents should not cold transfer ( XXXX transfer ), when the customer is requesting a specific department. Agents should warm transfer. 

XXXX. XXXX named XXXX in Texas engaged in call avoidance and willfully and deliberately disconnected the call on me. It was later brought to my attention that XXXX notated my file with false and misleading information that mischaracterizes me. Her notes indicated I used profanity ; which I did not. 

XXXX. I called back on or around XXXX XXXX  PST. I spoke to a male pinoy ( in the XXXX ) named XXXX ( sounded like ice ). I asked him to transfer to the XXXX XXXX XXXX. XXXX transferred to a XXXX named XXXX in XXXX, XXXX, in customer service. This was the wrong department yet again. 

XXXX. XXXX XXXX  PST. I spoke to XXXX in XXXX, XXXX. She is a XXXX account supervisor. Both XXXX and XXXX were nice and professional. XXXX submitted complaint XXXX no. : XXXX I seek to hold Chase and its agents account been for wrong transfers, cold transfers ( XXXX transfers ), and engaging in call-avoidance. This is unacceptable and inappropriate and causes and undue delay. In addition, XXXX XXXX is too difficult to get to an agent and needs to be ameliorated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NV

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), on XX/XX/XXXX, I submitted a dispute with Equifax, requesting the investigation and validation of a debt on my credit report. I am requesting an investigation into Equifax Credit Bureau, as I am concerned they have violated the Fair Credit Reporting Act by willfully failing to investigate a debt on my credit report from XXXX XXXX XXXX. 

I requested the following documents be provided to me by Equifax as part of the investigation to validate this debt : Full detailed list of payment history on this account, original signature I agreed to with this creditor, proof of ownership chain and purchase agreement. None of these items were provided. Further, I know this debt can not be validated, as it does not belong to me. XXXX completed an investigation into this same debt, found it to be inaccurate and deleted it from my credit report in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: FL

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

Account Name : XXXX XXXX XXXX XXXX - Opened on XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian 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, Experian '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 Experian complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX  XXXX ( Dismissed ) Ref number 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 explanation
Consumer complaint received 2025-01-22 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: IL

Complaint narrative:
To Whom It May Concern Im writing to formally dispute incorrect information that appears on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o, I have the right to accurate reporting, and your failure to ensure this has negatively affected me.

The Issue Here are the details of the inaccurate information Ive identified : Creditor Name ( s ) : Equifax, XXXX, XXXX Whats Wrong : All XXXX  Bureaus are reporting the following damages to my credit score : " You have too many delinquent or derogatory accounts '' -- I have XXXX Hard inquiries, XXXX late payments reported, XXXX collections, XXXX Derogatory accounts. 

I have XXXX open line of credit that has never been late. 

" Too many installment accounts with a delinquent or derogatory payment status '' -- I have XXXX installment accounts with XXXX derogatory payment status " Lack of sufficient relevant real estate account information '' " The date you opened your oldest bankcard or credit card account is too recent '' - Account was opened 6 years and 4 months ago. 


This incorrect information has caused me harm, including damage to my credit score and my ability to access financial opportunities. I have been denied housing! I have been denied lines of credit, while not having any negative credit marks. 

What Im Requesting Under 15 U.S.C. 1681i, youre required to investigate disputes like this and ensure all information on my credit report is accurate. Heres what Im asking you to do : Investigate this error thoroughly. 
Correct or remove the inaccurate information. 
Confirm in writing that the changes have been made. 

Why This Matters Your failure to ensure the accuracy of the information on my credit report constitutes negligence, as defined by 15 U.S.C. 1681o. This negligence has led to measurable harm, including : Damage to my creditworthiness.

Higher interest rates.

Emotional distress caused by credit denials and financial difficulties.

If this issue isnt resolved quickly, I may be forced to pursue legal action to recover damages and attorney fees, as allowed by the FCRA. 

Supporting Documents To help with your investigation, Ive included : A copy of my credit report with the disputed items highlighted. 

Next Steps Please confirm that youve received this letter within 5 days and let me know the outcome of your investigation within the 30-day timeframe required by law. I expect this matter to be fully resolved by XX/XX/year>. 

Thank you for your prompt attention to this. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

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 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 2025-01-22 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: GA

Complaint narrative:
Please refer to the attachment pertaining to the equifax data breach

Company response to consumer: Closed with non-monetary relief