vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to report a issue with two prepaid credit cards that I received as a gift from my friend. The cards were purchased at XXXX XXXX  on XX/XX/year>, and I have receipts to confirm this. The cards are managed by the company responsible for XXXX and their customer service phone number is XXXX. 

When I tried to use the cards, they were declined due to alleged " fraudulent charges '' on both accounts. I find it suspicious that both cards, which were purchased at the same time and from the same location, would be affected by fraudulent activity. As the recipient of these gift cards, I had not yet used them or shared the information with anyone else. 

Despite my efforts to resolve the issue with the company, I have been unable to access the {$250.00} in credit that is supposed to be available on these cards. I am extremely dissatisfied with the way this situation has been handled and believe that it may be indicative of a larger problem with this company 's practices. 

I would appreciate it if you could look into this matter and help me recover my lost funds. I have receipts for both card purchases and can provide any additional information necessary to support my claim.

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 the 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 of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: GA

Complaint narrative:
My information was exposed from A data breach and I FTC complaint was filed ref number : 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 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 2025-01-19 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: GA

Complaint narrative:
My information was exposed from A data breach and I FTC complaint was filed ref number 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 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 2025-01-19 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: LA

Complaint narrative:
After reviewing my credit report on XX/XX/XXXX, I discovered inaccuracies related to several hard inquiries. These inquiries lack permissible purpose under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, as well as FCRA Sections 609 and 623. Please remove them immediately. 
Disputed Inquiries : XXXX XXXX XXXX  o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 2. XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 3. XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 4. XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b 5. XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections 609, 623, and 15 USC 1681b XXXX XXXX XXXX XXXX o Date : XX/XX/XXXX o must be removed according to FCRA Sections XXXX09, 623, and 15 USC 1681b

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

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 redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
Im addressing a huge concern about XXXX handling of disputes regarding the reports that I have seen about CFPB law suiting issues with that platform. Despite using XXXX numerous times and reporting discrepancies, XXXX has failed to investigate my claims adequately. They informed me that recovering any of my lost funds were impossible and tracking any of those transactions wasnt worthy to them. The CFPB reports that were made states that XXXX has failed to protect consumers and has allowed repeated offenders to exploit the system, leaving users accounts open to fraud and scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. ( CFPA ). Specifically, CashApp failed to timely and effective manners to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

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, stress and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK
State: HI

Complaint narrative:
Discover Card offered a 5 % cashback bonus during the XXXX to XXXX quarter for any purchases at XXXX and XXXX made with their card. I signed up for this bonus. 

On XX/XX/XXXX, I placed an online order with XXXX. However, according to the XXXX invoice which shows the XX/XX/XXXX order placement date. The item was not shipped out till XX/XX/XXXX, and apparently my Discover Card was not billed for the purchase until XX/XX/XXXX. 

I spoke to Discover Card representative XXXX ( XX/XX/XXXX ) and discussed the issue. She stated that it may be possible to retroactively add the 5 % bonus on a purchase of {$180.00}, but needed to check with a supervisor. After a few minutes, XXXX returned to the call and said that the supervisor told her that the 5 % cashback bonus can not be applied since, the XXXX purchase transaction date of XX/XX/XXXX was after the final quarter of XXXX, when the bonus was valid. 

I pointed out to XXXX that I complied with the requirements of the offered cashback bonus when I placed the order, but because of the delayed transaction fulfillment date, I was being denied the bonus which at no time when I signed up for the bonus with Discover, had been warned about any problems where the bonus would be denied. ( I offered to provide the order number so Discover can confirm the date when the order was place. And I even urged Discover to submit a complaint to XXXX about this situation. However, XXXX indicated that I was the one who needed to file a complaint with XXXX. Also, reminded XXXX that it was Discover who offered the 5 % cashback bonus to customer who used their card to make a purchase at XXXX. ) I did indicate to XXXX that I would be filing a complaint with the appropriate party ( or parties ) so that they can be aware of an issue with Discover Card..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-19 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:
Im inquiring 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 writing to formally express my concerns regarding zelle handling of disputes particularly in light of the recent CFPB lawsuit highlights significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my financial institutions and zelle failed to investigate my claim adequately they informed me that recovering lost funds was impossible and that tracking these transactions was understandable. The CFPB 's finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offender 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 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Michael J Adams PC
State: TX

Complaint narrative:
I am co sighner on my account plus banking records prove XXXX XXXX dollars were taken from me all funds came from my paychecks with my name on them. The primary signer is who owes debt. Michael j Adam 's lied to your company as well no agreement was made for payments until well after my moneycwas taken. I filed complaint already they got my banking info but have not wired it yet. I need that r money asap. Debt company lies constantly even to you. If no one is going to enforce debt company to do what is right and just what c else can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: NJ

Complaint narrative:
I reviewed My Credit Report and I realize that Equifax reporting wrongful information on my Credit Report : 1. I have too many delinquency or derogatory 2. Too Many Inquiries last 12 Months 3. Proportion of loan balances to loan amounts is too high I just wanted to info the CFBP that, those information that above are all false on my Equifax Report.. and because of those fake information Equifax has on my report, I unable to get loan, car and etc from Financial Institutions. 

My Credit Score as of XX/XX/XXXX : XXXX Inquiries Equifax : XXXX Debit to income Ratio : Excellent One Paid of charged {$0.00} balance since XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: NY

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 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 ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB federal law and provides consumers with the necessary proof of investigation. Accounts in question : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
XX/XX/2021 the account shows it was a charge off I never received a 1099 yet this account still reports negatively late payments on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I was going through a hardship the majority of 2024. I needed my payments to be moved to around my payment date to keep from being late and to prevent fees being assessed each month. Representative told me that they couldnt accommodate my request so therefore Im assessed each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled insufficient balances despite initially available funds I believe these practices are unfair and request an investigation into my account transactions. This is has caused my account to be closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
I am writing to file a complaint against the Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorizing, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: AL

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 authorizing, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
My information was exposed from A data breach and I FTC complaint was filed ref number : XXXX XXXX  XXXX XXXX Balance XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX  XXXX Balance XXXXXXXX XXXX XXXX XXXX  Balance XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding what I believe to be an unfair and excessive interest charge applied to my Citi credit card account. 

In XX/XX/XXXX, I made a payment of {$26000.00} against a statement balance of {$26000.00}, resulting in a small shortfall of {$61.00}. Historically, I have always paid my statements in full and on time, and this was an unintentional miscalculation. Despite the minimal underpayment, Citi applied an interest charge of {$430.00} to my following months statement. 

Upon contacting Citi, I learned that they calculate interest on the entire balance if the statement is not paid in full, rather than just on the unpaid portion. While I understand this is part of their policy, the application of such a significant charge for a minor error feels punitive and disproportionate, especially given my track record as a responsible customer. 

Additionally, the statement balance for XX/XX/XXXX is {$33000.00}, which I intend to pay in full by the due date. However, I find the compounding of interest in this manner to be excessive and damaging. I requested a waiver or adjustment of the interest charge from Citi, but they have refused, and I have been unable to escalate the matter to a supervisor for further review. 

I believe this practice is unfair and undermines consumer trust. The interest calculation policy disproportionately penalizes customers for small errors and fails to consider their payment history or goodwill. 

I request the CFPB to investigate this matter and review whether Citis practices align with fair lending and transparency standards.

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 monetary relief