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: 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 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 failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction 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 2025-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
Re : PSLF.gov. I began application for PSLF in XXXX. I submitted the required information and signatures of the six churches I served. My application was consolidated somehow and some confusion about one of the churches was evidently resolved and it all went to XXXX. which has sent me a statement every month since. Beginning in XX/XX/XXXX they show XXXX payments. So for months I assumed I was good to go. 
Recently PSLF showed a new format where I can go to a page that shows my activities. On that page it shows one church, XXXXXXXX XXXX XXXX XXXX, once as complete and once under review. It omits another XXXX XXXX XXXXXXXX 's. I had XXXX online " chats '', the first two of which were ridiculous. One suggested I begin the whole application from the beginning. Another thought I might need to try another computer. The third said the name of the church doesn't matter as long as the EIN is correct and concluded the chat. But I was worried about the EIN and went back online to check EINs. I couldn't do that, but discovered a subsequent page which showed all XXXX churches I have served as complete. However they show XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, as rejected as of last XXXX for no apparent reason. I was never notified about this, and the two churches are no different from the other four, except that PSLF shows a little trash can emoji next to them. So I am objecting to the way this was handled, and of course above all I am determined to receive the thousands of dollars I believe are due to me.

Company response to consumer: Untimely response
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: Experian Information Solutions 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 ( s ) to be erroneous : Creditor/Company Name XXXX XXXX XXXX Account Number : XXXX Inaccurate Information : Monthly Payment : XXXX and Experian report {$4700.00}, while XXXX shows {$4700.00}, creating discrepancies in my financial obligations. 
Number of Months ( Terms ) : XXXX and Experian list 564 months ; XXXX inaccurately lists XXXX. 
Date Last Active : XXXX : XX/XX/year> ; Experian : XX/XX/year> ; XXXX : missing date altogether. 
Two-Year Payment History : Experian and XXXX show 120 days late in XXXX and XX/XX/year> ; XXXX does not report these delinquencies. 
Comments : Experian : CONSUMER STATEMENT ITEM IN DISPUTE BY CONSUMER. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : 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 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: GA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling disputes, particularly in lights of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using Zelle numerous of times and disputing discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking this transaction were unfeasible. The CFPB finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concern a 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: Block, Inc.
State: IL

Complaint narrative:
Im filing a complaint against cash app ( block , inc ) do to inadequate customer service and unfair practice, which violates the consumer finance protection act ( CFPA ) Specifically cash app fail to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected Futhermore their dispute Resolution process was unfair and deceptive as that did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E.these actions has cause significant inconvenience and financial loss and I seek appropriate redress for those violations

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

Complaint narrative:
I am 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 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: TX

Complaint narrative:
Im writing to express my serious concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that revealed significant problems with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. They told me that recovering lost funds was impossible and that tracking these transactions was impossible. The CFPBs findings show that Zelle 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: 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 using the platform. Despise 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 CFBPs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving userss 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

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: SC

Complaint narrative:
your account. 
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
My account has been locked and suspended for no apparent reason and when i try to get help they say i need to go to my branch of banking to fix it like for what?

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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 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 furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute resolutions. These failures align with my personal experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and 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 2025-01-18 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: EQUIFAX, INC.
State: SC

Complaint narrative:
After reviewing my credit report, I noticed XXXX fraudulent accounts that were previously deleted have been reinserted without the required 5-day written notice, as outlined in the FCRA. The accounts are fraudulent, already removed, and their reinsertion violates my rights. 

XXXX  XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Account : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX Account : XXXX Date : XX/XX/XXXX Amount : {$0.00} I submitted a new dispute on the XXXX of XXXX and they claim have finished their new investigation by the next day.

Company response to consumer: Closed with non-monetary relief
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: 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 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 redres 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: TX

Complaint narrative:
I am filing a complaint against cash app ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the customer 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 see 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: GA

Complaint narrative:
I am submitting a formal complaint against Navy Federal Credit Union concerning the assessment of multiple overdraft fees that have been applied to my account. I assert that these fees were charged in error, as I maintained sufficient funds at the time my transactions were authorized. Unfortunately, due to delays in the posting of charges and credits, I was subjected to these overdraft fees. 

This matter is consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which has identified similar practices by Navy Federal, wherein transactions were settled despite initially available funds. I consider these practices to be unjust, and I request a comprehensive 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 2025-01-18 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 writing to informally my concerns regarding Zelle handling of dispute, particularly in light of a recent CFPB lawsuit highlighting significant issues 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 of funds was impossible and that tracking these transactions was unfeasible. The CFPB finding indicates that Zelle has not only neglected to protect consumers but also has allowed repeated offenders to exploit the system, leaving users vulnerable to scams this lack of accountability and transparency is unacceptable to 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: MA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

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

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) in conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureaus ( CFPB ) has recently filed lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnihers, accepting unreliable responses and failing to adequately notify consumers of dispute outcome.

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 — Virtual currency
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
3 years ago I tried to send money to my stylist but her phone number was off by a number and when the money was send and she didnt receive it, I called my bank ( XXXX ) and they told me there was nothing they could do. I lost {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
I regards to missing funds talking to a chat bot not a live representatives

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Beginning XX/XX/year>, Capital One began experiencing technical difficulties with a third party vendor which delayed direct deposit transactions. This issue is still ongoing as of XXXX XXXX, XXXX, and we are still waiting for our hard earned money to become available in our accounts. 
Capital has sent one email regarding this issue at night on XX/XX/year>. The email had no valuable information and no ETA as to when the issue will be resolved. When you call Capitol One 's customer service number, you can not reach a representative, the phone literally rings for over an hour before you are disconnected.

Company response to consumer: Closed with explanation