vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: 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 preventing 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. Its 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: FL

Complaint narrative:
i am filing a complaint against Cash App ( block, inc. ) due to inadequate customer service and it's unfair practices, which violates 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 2025-01-19 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 Navy Federal Credit Union regarding multiple over draft fee 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 XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices were 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Please check the information concerning the XXXX data breach below in attachments

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing this letter because I notice there have been several fraudulent inquiries added to my consumer report. Which I did not request to any company. I am not liable for them and ask for them to be deleted. 
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 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 non-monetary relief
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: AZ

Complaint narrative:
I am writing this letter because I notice there have been several fraudulent inquiries added to my consumer report. Which I did not request to any company. I am not liable for them and ask for them to be deleted. 
XXXX. XXXXXXXX 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 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: OK

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 2025-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
A purchase was made on XX/XX/year> from XXXX utilizing my XXXX XXXX Credit Card. This was for a rental car in XXXX, XXXX. Once arriving in XXXX, the merchant that the car was rented from through XXXX materially changed the fees, deposits, parameters grossly inflating the advertised price. XXXX was notified- the credit was issued- a dispute was created with Capital One. Initially a conditional credit was issued for the purchase amount of {$XXXX} but then was reversed. The charge still stands despite Capital One being provided a copy of the credit - XXXX XXXX  # XXXX. The dispute number with Capital One is XXXX. 

Capital One needs to honor the credit issued by XXXX for {$XXXX}.

Company response to consumer: Closed with monetary relief
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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to file a complaint against Teletrack for failing to address inaccuracies and fraudulent information in my consumer report. As a victim of identity theft, documented in an FTC Identity Theft Report ( # XXXX ) and police report ( HPD Case # XXXX ), I suspect my file contains fraudulent data that has adversely impacted my financial standing. 

In [ XXXX ], I requested a copy of my consumer report from Teletrack to review and dispute any inaccuracies, as allowed under the Fair Credit Reporting Act ( FCRA ). Despite my request, I have not received my report or any response confirming its processing. This lack of action has prevented me from verifying and disputing potentially fraudulent entries.

The fraudulent activity includes unauthorized accounts, addresses and inquiries by companies such as XXXX XXXX XXXX ( XXXX ), XXXX XXXX Bank, and XXXX, which were opened using my Social Security number without my consent. These entries, along with unauthorized addresses, continue to cause harm to my creditworthiness and financial reputation. 

These inquiries were made fraudulently using my Social Security number, drivers license, and date of birth, which were compromised in the XXXX data breach. These fraudulent applications were not authorized by me and are the result of identity theft. 

This situation has caused significant financial and emotional distress. I am forced to monitor my credit constantly across multiple agencies, including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and Teletrack. The unresolved inaccuracies and lack of action from Teletrack exacerbate the burden of recovering from identity theft. 

Additionally, the fraudulent entries have negatively impacted my XXXX XXXX, further affecting my ability to obtain credit or favorable financial terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I sent a transfer to my mom in XXXX through Zelle on XX/XX/year>. She still has not received the funds. The account was later closed because of a fraudulent transaction. The bank provided her with a new account. I am unable to transfer the funds to the new account and the funds never became available in the old account. I was told if the transaction was not successful the funds would be refunded but still nothing. I am unable to get anyone on the phone for Zelle. XXXX informed me they can not help. Only Zelle can.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
**Dispute Items : ** - XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX XXXX Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed items listed above on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not notifying consumers about the outcomes of disputes. 

These failures reflect my experience, as Experian has neither corrected nor removed the disputed items despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. I am requesting immediate corrective action to either remove or amend the disputed accounts. Experian 's lack of action violates federal law and my rights as a consumer.

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: WI

Complaint narrative:
I am filing a complaint against cash app ( BLOCK INC ) due to inaccurate customer service and unfair practices, which violates 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. Therefore 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 acts have caused significant inconvenience and financial loss, and I seek appropriate redress

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: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block, XXXX. ) : to e quao 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 XXXX untair an deceptive, as they XXXX nor '' ) 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 2025-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
transunion failed to properly investagate an account that was reporting on my credit file, this account was deleted by transunion and then they reinserted it without notice to me, XXXX XXXX XXXX ACCOUNT # 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: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am submitting this dispute regarding a medical debt of {$2200.00} that has been reported to my credit file. This debt should not appear on my credit report due to recent policy changes banning the inclusion of medical debt information in consumer credit reports. 


Date opened XXXX XXXX XXXX XXXX  {$2200.00} no action taken

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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I'm a victim of identity thief and my information was obtain fraudulently and use to open this AMEX credit card account ( XXXX ) I have tried reaching out to this company to resolve this matter but they insist that the information use to open the account was indeed my information and they are still investigating. But as for now they have not resolve the issue in my favor. I do not think this is fair and I'm suffering from this because I have been a victim of identity thief.

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: Early Warning Services, LLC
State: FL

Complaint narrative:
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 2025-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX CLAIMED I OWED WAYFAIR. I CALLED WAYFAIR 3 TIMES AND THEY SAY I HAVE NO DEBT WITH THEM. 
NOW XXXX XXXX  HAVE PUT IT ON MY CREDIT REPORT? 
I HAVE ALWAYS HAD OVER XXXX XXXX XXXX NOW IT SHOWS AS OUTSTANDING DEBT? THEY CLAIM IT IS FROM XXXX  YEARS AGO THIS DEBT? WAYFAIR CLAIMS IT'S FALSE. IN FACT I HAD A CREDIT ON MY CARD WITH WAYFAIR! 
THE XXXX MENS NAME IS XXXX XXXX AND XXXX XXXX. I HAVE SPENT HOURS TALKING IN CIRCLES WITH THEM AND THEY NEVER PROVIDE PROOF OF THIS DEBT. 
I WAS NOT ABOUT TO PAY XXXX WHEN WAYFAIR SAYS I HAVE NO DEBT. I HAVE NEVER HAD A LATE PAYMENT IN MY LIFE AND I AM XXXX. 
THEY ARE XXXX AND I DID NOT WANT TO SHARE MY ACCOUNTS TO PAY THIS FAKE DEBT AND THEY XXXX ME! 
I COULD EASILY PAY IT BUT THERE ARE SO MANY SCAM ARTISTS TODAY. 
THE LAST TIME THEY CONTACTED ME WAS XX/XX/XXXX. 
THEY HAD CONTACTED VIA EMAIL A PERSON NAMED XXXX? THEY WERE TO GIVE ME PROOF OF THE DEBIT. NEVER HEARD ANYTHING OR GOT ANY PROOF AND THEN THEY ATTACKED MY CREDIT THROUGH THE CREDIT BUREAU? THIS IS CRAZY! PLEASE HELP! 
MY FORMER NAME WAS XXXX XXXX I REMARRIED XXXX  YEARS AGO! 

HERE ARE XXXX EMAILS XXXX AND XXXX REPORTED XX/XX/XXXX STATUS DATE XX/XX/XXXX XXXX BALACE CONTACT PHONE XXXX CREDITOR ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : 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 — Reporting company used your report improperly
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am being charged off from Exeter Finance account was open XXXX XXXX. I was never given a XXXX stating that this was written off. Never received any information from this account. Id like this removed because it is inaccurate and should be cancelled off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Penn Credit Corporation
State: DE

Complaint narrative:
I have been wrongfully sued for rental debt that was not owed to every rental property on my reports, as well as debts from banks, car dealerships credits cards, housing bills, consumer background checks everything i have been seeing as debts owed is wrongfully on my report. 
15 U.S.C S 1681 is a section of the Fair Credit Reporting Act ( FCRA ) that establishes the purpose and congressional findings of the act. the FCRA governs how consumer credit reports are accessed, and it aims to protect the accuracy, fairness, and privacy of personal information. 
my information was exposed in a data breach.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On the month of XX/XX/year> my Mortgage was transferred from BSI financial to PHH mortgage. The only letter that I received in the mail was stated that my mortgage was being transferred to this company. nowhere in the letter did it state that I had to change my bank information and swap over the accounts so they could automatically draft the payments from my account every month. The only time I receive a letter was like XXXX or XXXX months later stating that I was XXXX or XXXX payments late. Now, normally you would think that the company will call the client and let them know that the payment hasn't been made. They say they sent emails but I didn't see anything. I have XXXX properties that I maintain and didn't realize the payment for that mortgage wasn't being deducted from my bank account and the strange thing about this is that PHH mortgage did draft the first payment but didn't draft any other payment and I don't understand why would they draft XXXX payment and refuse to continue to draft the payment or contact me or my wife to let us know what was going on until I was XXXX payments behind. This could've caused me to go into foreclosure and how do I this was there plan to take my house if I couldn't afford to pay the lump sum. I don't believe this predatory lending but this company needs reprimanded or something because I've had mortgages companies get bought out and I have switched mortgages a number of times and this has never happened and now that they have reported this to the credit bureau my score and credit is already damaged and the refuse to remove it from my credit

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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles 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.

Company response to consumer: Closed with explanation