vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
For whatever reason XXXX XXXX is now making more errors on my report than XXXX has historically been doing. This account is closed! Why they keep XXXX XXXX the reporting on it is beyond me! Per FCRA laws I should not have to keep disputing the same accounts over and again with this inept bureau! The bank is no better because they're positively and ultimately RESPONSIBLE FOR ALL REPORTING TO THE CREDIT BUREAUS!!! So I'm including them in this complaint because the reporting is coming from them directly! So they and XXXX XXXX are completely inept! The CFPB just sued XXXX and XXXX for constantly not taking care of disputes filed by consumers. Do you want to be next?????? You recently got sued for misreporting info on employment background checks! I keep up on what's happening because I subscribe to the CFPB notices. FTC, XXXX and FDIC too! So I'm not an unaware consumer, I'm VERY aware of what is going on! So you're probably on the list to be next to get sued for bad business practices. The banks have been getting hit hard too and I'm glad!!!! All of you deserve to be put out of business! This is inexcusable. Both accounts have been closed for years! So this constantly getting info incorrect will not continue to go on! It will come to an end even if I have to force that end!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was scammed on XX/XX/year>XXXX  by a user pretending to be my brother on XXXX. I sent them {$150.00} on Zelle, not knowing that once I found out I was scammed, I could not be refunded by my bank, XXXX. I called to dispute the charge and they said they would review the case, but they did not ask for any evidence. I had screenshots of the scam, phone numbers, and an email of the scammer. After a few days, I received a letter from my bank saying that they would not refund the Zelle transaction that occurred. After that letter I decided to also report the scam to the FTC. I wish Zelle would have informed consumers upfront that any transactions made will not be refunded or cancelled. I would like to express my concern for consumer safety within Zelle and how they handle disputes in accordance with the CFBP lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I didn't give authorization for this inquiry on my account. Bank CBNA ON MY CREDIT REPORT Dated XX/XX/scrub>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 explanation
Consumer complaint received 2025-01-21 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 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 unprotective furthermore their dispute resolutions process was unfair and deceptive as they did not comply with errors resolution requirements under the electronic fund transfer act at ( 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Zelle account suspended without explanation. Called my bank and was told that Zelle suspended the account. Called Zelle and was told that my bank suspended my account. Then my bank stated that someone sent two fraudulent transactions to my account which suspended my account but couldnt tell me which ones. I am still unable to access my Zelle account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Accounts and inquires on my report that were not authorized by me.

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 2025-01-21 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 ( Block , Inc. ) due to adequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

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
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concen regarding zelles handling of disputes, particulary in light of the recent CFPB lawsuit highlighting significant issues with the plateform.Despite using Zelle numerous times and reporting discrepanices, my finincal institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and tracking these transactions were unfeasible. The CFPB 's findings indicate that zelle has not only neglacted to protect consumer but also allowed repeat offenders to exploit the system, leaving users vulerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 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: MO

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 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 2025-01-21 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-01-21 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 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 over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with recent CFPB against Navy Federal for similar practices, where transactions 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 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

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 2025-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/XXXXXXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Complaint Regarding Inaccurate Credit Reporting Dear XXXX XXXX Department , I am writing to formally dispute inaccurate information that remains on my credit report despite my prior attempts to correct it. My situation closely mirrors the issues raised in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlighted the companys failure to properly address consumer disputes and correct inaccurate credit information. 
The specific inaccurate information on my credit report is as follows : Account : XXXX XXXX XXXXXXXX, Payment history, Responsibility. etc Account : XXXX XXXX XXXX, XXXX, Payment history, Responsibility.etc Account : XXXX, XXXX, Payment history, Responsibility.etc Account : XXXX XXXX XXXX, XXXX, Payment history, Responsibility.etc Account : XXXX XXXX XXXXXXXX, Payment history, Responsibility.etc Closed account listed on my credit report for longer than 7years. 
I previously submitted a dispute regarding these errors on XX/XX/XXXX, yet the information remains unchanged. This failure to investigate and correct my report violates my rights under the Fair Credit Reporting Act ( FCRA ) and aligns with the allegations in the CFPB lawsuit, where XXXX was accused of mishandling consumer disputes and failing to provide proper updates. 
I am requesting that you : 1. Conduct a thorough reinvestigation of my dispute.

2. Correct or remove the inaccurate information from my credit file.

3. Provide me with an updated credit report reflecting these corrections.

4. Explain in writing your findings and actions regarding my dispute. 
If XXXX does not comply with its legal obligations, I will have no choice but to escalate this matter to the CFPB, the Federal Trade Commission ( FTC ), and possibly take legal action for noncompliance with federal credit reporting laws. 
Please resolve this matter promptly, as inaccurate credit reporting has serious consequences for my financial well-being. I expect a response within the legally required 30-day period. 
Sincerely, 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 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Sometimes there is missing money and I neger get answers from where the money go around {$1200.00}

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Accounts and inquires on my report that were not authorized by me.

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 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Accounts and inquires on my report that were not authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
I'm speaking about CashApp, 3 days after I made a transfer to a contact I've transferred money to consistently over the past 6 month and have XXXX thousands of dollars to, i was advised by CashApp that my account was deactivate because I violated their terms and conditions. I've requested via online chat and via email to provide me with the details of my violations. Instead the keep sending me the XXXX XXXX XXXX XXXX, with some reasons why the deactivation occured. I don't know which reason applies to my situation. They've never told me why they deactivated me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

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 2025-01-21 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: IL

Complaint narrative:
I filed a dispute on Loan number XXXX XXXXXXXX XXXX XXXX due to inaccurate information being reported. Experian denied to follow up u with the investigation. I recently was notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I am requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting more property and assisting my children with college loans due to the derogatory remarks. Experian violates my rights as a consumer as well as federal laws.

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 2025-01-21 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: CA

Complaint narrative:
Information is incorrect. Plus shows charge off. And just renewed date on charge offs into collection, but there still on file. Showing 7 negative out of 4 accounts. Through XXXX XXXX XXXX my information was exposed. Under 605.b this is unjust. They've purposely ruined my credit and caused collateral damage to my business and livelihood. 
Plus incorrect XXXX XXXX child support payments which have severely affected me. By reporting non payments although it was garnished from checks. Misinformation.

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 2025-01-21 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: LA

Complaint narrative:
I would like all overdraft fees reimbursed for the last 24 months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation