vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer 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, the XXXX credit XXXX XXXX XXXX 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX BANK on XX/XX/XXXX with a balance of {$5700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 # ( private case number ) as proof from the XXXX 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 2025-01-17 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:
I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account acco

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
( 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 2025-01-17 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 all the unfair practices, which violated the Consumer Financial Protection Act. ( CFPA ) all especially cashapp failed to take timely and effective measures to prevent scammers and address fraud on all their platform. Leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair, and very deceptive. As they did not comply with error resolution requirements, under the Electronic Fund Transfer Act ( EFTA ) and regulations. 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 2025-01-17 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 am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. where transactions are settled with insufficient 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
Im 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 Regulations 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 2025-01-17 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 ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. I have had money come taking out of my account from companys I never bought from. I have contacted customer service thru Cash App and on all the occasions could never receive my money back. I could not speak to anyone on the phone to handle any of the disputes! 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 redres for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IL

Complaint narrative:
It would be times when money would be took and I did authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

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 ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation for Accounts Listed on My Credit Report To Whom It May Concern, I am writing to formally request validation of debts listed on my credit report. I noticed the following accounts under the name XXXX XXXX and would like more information to verify their accuracy and legitimacy : Account Number : XXXX 1. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Marked as Paid, Closed ) 2. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Marked as Paid, Closed ) 3. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ( Marked as Paid, Closed ) 4. Accounts Number : XXXX Date Opened : XXXX XXXX Balance : XXXX $ ( Marked as Paid, Closed ) I request that you provide the following information : 1. Documentation showing that I am legally obligated to pay these debts. 
2. The original amounts, any interest, and fees associated with the accounts.

3. Documentation of the last payment made on each account.

4. A detailed history of the accounts, including copies of any signed agreements.

5. Information regarding whether these Please treat this as a dispute under the Fair Debt Collection Practices Act ( FDCPA ). I request that you cease reporting these accounts to any credit reporting agencies until the debt is fully validated. 

I expect a response within XXXX days of receipt of this letter. Please provide all documentation to my address listed above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
Showing positive balance and then later getting an overdraft fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I used my Cash App card to pay a deposit of {$370.00} at XXXX XXXX XXXX in XXXX XXXX. After my stay, I contacted Cash App because I hadnt received a refund. They informed me, This hold should drop off by the end of day XX/XX/XXXX if not completed. We are unable to expedite cancellation, but you are welcome to reach out to the merchant directly. Despite receiving confirmation from the hotel that my funds had been released, Cash App continued to hold my money for over a month without providing a valid explanation or assistance Another instance. I was charged a {$75.00} fee for a return charge for my rent that wasnt my fault, so my card is set to use cashapp but my card wasnt unlocked without me knowing, so the fact that the charge still went through later on in the day without sufficient fund cashapp still charged a {$75.00} fee I had to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: CBC Companies, Inc.
State: NC

Complaint narrative:
: Cease and Desist Collection Efforts for Accounts as follows Dear XXXX, I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below. According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable. Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts are as follows : Account Number : innovis : XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX refer to attached FTC REPORT XXXX .Please confirm in writing that you have ceased all collection efforts and that you will not report these debts to any credit reporting agencies. Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Sent money thru XXXX mistakenly to wrong individual & then called the bank to rectify the mistake and was told there's nothing they can do about it. This was manly over the course of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
At XXXX on XX/XX/XXXX Capital One Bank NA became aware of an issue with a 3rd party vendor that led to deposits not being made into consumer accounts as scheduled. My paycheck is usually deposited early and was expected on XX/XX/XXXX. I did not receive any notification throughout the day about my deposit or withdrawals from my account. At XXXX, I received an email stating that an ACH payment was unable to be processed due to insufficient funds. When I checked my balance via the mobile app, I saw that my check had still not been deposited. At XXXX, I received an email from Capital One Bank NA communicating the issue regarding the XXXX party vendor. 
I get paid biweekly and funds to cover the transaction were in my XXXX  so if I had been notified they could have been transferred ( potentially causing me to lose money I would have earned from accrued interest ). But I was not notified and as of this morning XX/XX/XXXX, I still do not have my paycheck in my account. I have not received any additional communication from capital one and I have been on hold for XXXX minutes. I have several bills on autopay ( Because I go to work regularly and get paid regularly ) that will be drawn and returned as unpaid. 

I am not sure why Capital One Bank NA would not just hold payments while they are working to resolve this issue or credit accounts with regular direct deposits so that the accounts would not be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( blocking, 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 action 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 2025-01-17 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: TX

Complaint narrative:
I was sent money via Zelle, the money left the sender 's account, but I never received it. Zelle did not return the money to the sender 's account. Zelle 's terms state money not received will be returned in 14 days. 

Trying to resolve the issue : 1. My bank says the money was not sent or received, inform the sender.

2. The sender 's bank says the money was sent, and has been debited from the account, to contact the receiver.

3. Zelle says to contact the banks, it's an endless loop, while the money is at Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was supposed to receive my direct deposit from job on XX/XX/XXXX in the morning and Capital One Bank apparently has been having technical issues with deposits since XX/XX/XXXX and they can't give me a time frame of when my money will get deposited. I believe they are violating the Electronic Fund Transfer Act as they are unable to make my paycheck with is direct deposited available to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violated The Consumer Financial Protection. ( CFPA ) cash app failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account for vulnerable and unprotected. Furthermore, their resolution process was unfair and deceptive as they did not comply with error, resolutions required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused a significant inconvenience, financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I have had multiple overdraft fees and I was charged when I had insufficient funds and would like to state that this was 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 2025-01-17 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681, 15 U.S.C. 1692c, and 15 U.S.C. 1637. I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. B. I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report. 
Please address this matter promptly and confirm the removal of the disputed entities.

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