vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Formal Complaint and Request for Legal Assistance To Whom It May Concern, I have been engaged in a prolonged struggle against these creditors for over many years. Throughout this time, I have identified and documented numerous illegal practices associated with criminal organizations operating within this sector. I will be providing detailed notices of these unlawful activities in the coming weeks. 

I have consistently requested the issuance of a corrected XXXX to address the inaccuracies present in my records. It is imperative to recognize that no dispute should ever be categorized as a duplicate. Each dispute is unique and warrants its own distinct resolution. The notion of duplicate disputes undermines the integrity of the complaint process and prevents the possibility of a fair resolution. 

Furthermore, I am deeply concerned about the apparent complicity of the Consumer Financial Protection Bureau ( CFPB ) in these matters. The lack of adequate support from the CFPB in addressing these issues is unacceptable. I am prepared to pursue legal action against the CFPB for their inaction and failure to assist consumers like myself. 

I hereby formally request legal aid and assistance, as I have substantial evidence of wrongdoing. The activities I have documented may constitute violations under the Fair Credit Reporting Act ( FCRA ), specifically regarding improper handling of disputes and potential racketeering under the XXXX XXXX 

I am exhausted by the continuous evasion tactics employed by these corporations, which not only ignore my requests but also engage in fraudulent tax practices without consequence. It is imperative that the CFPB reevaluates their processes to eliminate the option for categorizing disputes as duplicates, which only serves to enable further evasion. 

Thank you for your attention to this pressing matter. I look forward to your prompt response. 

Sincerely, AEMONALKANA 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint and Request for Legal Assistance To Whom It May Concern, I have been engaged in a prolonged struggle against these creditors for over many years. Throughout this time, I have identified and documented numerous illegal practices associated with criminal organizations operating within this sector. I will be providing detailed notices of these unlawful activities in the coming weeks.

I have consistently requested the issuance of a corrected 1099-C to address the inaccuracies present in my records. It is imperative to recognize that no dispute should ever be categorized as a duplicate. Each dispute is unique and warrants its own distinct resolution. The notion of duplicate disputes undermines the integrity of the complaint process and prevents the possibility of a fair resolution. 

Furthermore, I am deeply concerned about the apparent complicity of the Consumer Financial Protection Bureau ( CFPB ) in these matters. The lack of adequate support from the CFPB in addressing these issues is unacceptable. I am prepared to pursue legal action against the CFPB for their inaction and failure to assist consumers like myself. 

I hereby formally request legal aid and assistance, as I have substantial evidence of wrongdoing. The activities I have documented may constitute violations under the Fair Credit Reporting Act ( FCRA ), specifically regarding improper handling of disputes and potential racketeering under the XXXX Act. 

I am exhausted by the continuous evasion tactics employed by these corporations, which not only ignore my requests but also engage in fraudulent tax practices without consequence. It is imperative that the CFPB reevaluates their processes to eliminate the option for categorizing disputes as duplicates, which only serves to enable further evasion. 

Thank you for your attention to this pressing matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Complaint and Request for Legal Assistance To Whom It May Concern, I have been engaged in a prolonged struggle against these creditors for over many years. Throughout this time, I have identified and documented numerous illegal practices associated with criminal organizations operating within this sector. I will be providing detailed notices of these unlawful activities in the coming weeks.

I have consistently requested the issuance of a corrected 1099-C to address the inaccuracies present in my records. It is imperative to recognize that no dispute should ever be categorized as a duplicate. Each dispute is unique and warrants its own distinct resolution. The notion of duplicate disputes undermines the integrity of the complaint process and prevents the possibility of a fair resolution. 

Furthermore, I am deeply concerned about the apparent complicity of the Consumer Financial Protection Bureau ( CFPB ) in these matters. The lack of adequate support from the CFPB in addressing these issues is unacceptable. I am prepared to pursue legal action against the CFPB for their inaction and failure to assist consumers like myself. 

I hereby formally request legal aid and assistance, as I have substantial evidence of wrongdoing. The activities I have documented may constitute violations under the Fair Credit Reporting Act ( FCRA ), specifically regarding improper handling of disputes and potential racketeering under the XXXX Act. 

I am exhausted by the continuous evasion tactics employed by these corporations, which not only ignore my requests but also engage in fraudulent tax practices without consequence. It is imperative that the CFPB reevaluates their processes to eliminate the option for categorizing disputes as duplicates, which only serves to enable further evasion. 

Thank you for your attention to this pressing matter. I look forward to your prompt response. 

Sincerely, XXXX XXXXXXXX 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 2025-01-18 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 filling a complaint against cash app due to inadequate customer service and unfair practices, which violates the consumer financial protection act. Specifically cash app has failed to take timely and effective measures to prevent and address frauds on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. Theres 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 2025-01-18 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: PA

Complaint narrative:
Investiagtion was XXXX an violated several US COdes ; 15 USC 1681 ( a ) i, 15 USC 1681i ( a ) 6 ( B ) 3, 15 USC 1681i9a ) 5 ( B ).

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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against cash app it parenthesis black ink 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX through XX/XX/XXXX, my account was automatically locked. I spoke to a representative from PNC and was told that my account was locked and I was suspended permanently from using. However, I was unable to take any funds out of my account. I went to a physical branch multiple times and was told that there was nothing they could possibly do my account was still getting charged without my authorization however I had no access to get inside of my account. Unfortunately, I had to cancel my PNC account due to the fact, I wasnt able to use XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MO

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
I am formally writing to express my concerns regarding XXXX 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 CFPBs 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 2025-01-18 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 XXXX 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 infeasible. The CFPBs 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 consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing 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 Zelle has not only neglected to protect consumers but 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 2025-01-18 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 violates the consumer financial protection act ( CFPA ). Specifically CashApp 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 2025-01-18 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate information that appears on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate and complete credit reporting. I believe the following item ( XXXX ) to be erroneous : Creditor/Company Name : XXXX XXXX Account Number : XXXX Inaccurate Information : Monthly Payment : TransUnion and XXXX report {$4700.00}, while XXXX shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : TransUnion and XXXX list 564 months ; XXXX inaccurately lists XXXX. 
Date Last Active : TransUnion : XX/XX/year>2024 ; XXXX : XX/XX/year> ; XXXX : missing date altogether. 
Two-Year Payment History : XXXX and XXXX show 120 days late in XXXX and XX/XX/year>2024 ; TransUnion does not report these delinquencies. 
Comments : XXXX : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
XXXX : Real Estate Mortgage XXXX  mortgage. 
TransUnion : No comments reported. 
Legal Bases for This Dispute 15 U.S.C. 1681i ( a ) Reinvestigation of Disputed Information Under 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) must reinvestigate the disputed information within 30 days of receiving this notice. 
The CRAs must also forward all relevant information regarding my dispute to the furnisher, as required by 1681i ( a ) ( 2 ).

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy CRAs must follow reasonable procedures to ensure that information in consumer reports is as accurate as possible. Reporting conflicting or missing data ( e.g., different monthly payments, missing dates, varying delinquency histories ) violates this requirement. 
15 U.S.C. 1681s-2 Responsibilities of Furnishers Furnishers ( in this case, XXXX XXXX ) must not furnish information if they know or have reasonable cause to believe it is inaccurate ( 1681s-2 ( a ) ( 1 ) ( A ) ) or if the accuracy can no longer be verified after proper notice from the consumer ( 1681s-2 ( a ) ( 1 ) ( B ) ).

15 U.S.C. 1681i ( a ) ( 5 ) Correction or Deletion If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, it must be promptly corrected or removed from my report.

15 U.S.C. 1681i ( d ) Notification of Results CRAs must provide me with the results of the reinvestigation and a revised credit report if any changes are made.

15 U.S.C. 1681g ( a ) Disclosure of Information I have the right to request all documentation used in verifying the accuracy of the disputed items.

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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CADENCE BANK
State: MS

Complaint narrative:
Since Wednesday, XX/XX/year>2025, my account has been inaccessible. Online banking has been unreliable. My husband and I both had scheduled deposits for Friday, XX/XX/XXXX from our employers. Cadence states that theres a vendor issue and theyre unable to post transactions. However, transactions going out of my account are still drafting but theyre refusing to deposit our direct deposit checks as a result of a vendor issue. Ive made multiple contact attempts and Im continually told that they cant provide a time line or send my funds back to my employer but my funds will be available as soon as possible. Meanwhile, my bills arent getting paid, Im unable to purchase food and gas. Its supposed to freeze and be snowing on Tuesday. I XXXX XXXX XXXX  and rely heavily on my wifi to be able to do my job. I cant even pay my wifi bill. It would be different if it were my error. But this is bank error and leaving me in a total bind with no real answers. I was told by a Cadence employee that my money would be available Friday. Its Saturday and still unavailable. Not only that, but Monday is a federal holiday so the banks are closed and nobody is even working to resolve the issue or update customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to unfair practices and inadequate customer service. This violates the Consumer Financial Protection Act ( CFPA ). Cash app failed to take timely and effective measures to address fraud issues, they couldnt provide what guideline was broken for closing my account after I reported fraudulent activity. They did not provide or protect me from further fraud under the Electronic Fraud Transfer Act ( EFTA ). This has caused me to have significant financial loss and inconvenience, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 violation 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am submitting a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair business practices, which constitute violations of the Consumer Financial Protection Act. Specifically, Cash App failed to implement adequate and timely measures to safeguard my account from fraudulent activity, leaving it vulnerable and unprotected. Moreover, the companys dispute resolution process was both unfair and deceptive, failing to meet the error resolution requirements mandated by the Electronic Fund Transfer Act and Regulation E. These deficiencies have caused substantial financial loss and inconvenience. I respectfully request appropriate redress for these violations and the resulting harm.

Company response to consumer: Closed with explanation