vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 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 formally express my concerns regarding 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 the 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 The lack of accountable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
I contacted the creditors regarding accounts appearing on my credit report that I have never opened. I provided letters explaining my concerns and requested a proper investigation into these accounts. Despite my efforts, the creditors failed to conduct a thorough investigation and still marked the accounts as accurate and verified. 

I believe this violates consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ), which requires creditors and credit bureaus to ensure the accuracy of the information reported. Specifically, under Section 611 of the FCRA, if disputed information can not be verified as accurate, it must be corrected or removed. 

These inaccuracies are negatively affecting my credit report, and I am requesting that the creditors and credit bureaus revisit this matter and comply with their obligations under the law. I sent dispute letters to the creditors. I clearly stated in the letters that I had not opened the accounts in question and requested an investigation. On [ date of response or lack thereof ], the creditors responded by marking the accounts as accurate and verified without addressing my concerns. 

I request that the companies conduct a proper investigation into these accounts, correct any inaccurate information, and ensure compliance with the FCRA.

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 2025-01-22 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: LA

Complaint narrative:
I contacted the creditors regarding accounts appearing on my credit report that I have never opened. I provided letters explaining my concerns and requested a proper investigation into these accounts. Despite my efforts, the creditors failed to conduct a thorough investigation and still marked the accounts as accurate and verified. 

I believe this violates consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ), which requires creditors and credit bureaus to ensure the accuracy of the information reported. Specifically, under Section 611 of the FCRA, if disputed information can not be verified as accurate, it must be corrected or removed. 

These inaccuracies are negatively affecting my credit report, and I am requesting that the creditors and credit bureaus revisit this matter and comply with their obligations under the law. I sent dispute letters to the creditors. I clearly stated in the letters that I had not opened the accounts in question and requested an investigation. On [ date of response or lack thereof ], the creditors responded by marking the accounts as accurate and verified without addressing my concerns. 

I request that the companies conduct a proper investigation into these accounts, correct any inaccurate information, and ensure compliance with the FCRA.

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Two summers ago, I was transitioning my business checking account away from Citizens Bank and to another financial institution. I left approximately {$1000.00} in my account for incidental and to cover miscellaneous outstanding items. I recently received notification from Citizens that my account was overdrawn. Upon looking into the matter further I discovered that there has been a preauthorized debit from a company called XXXX in the amount of {$77.00} which has been taking place since XX/XX/year>. The total amount withdrawn from XXXX is roughly {$6200.00}. 

I didn't even know who XXXX was. Apparently, they are a company that accepts credit card payments and applies them to your account. I find this very unusual because I don't accept card payments of any type. I did contact XXXX to address the situation, but they have been less than helpful and unable to provide the original signed contract. They did open a claim and are aware of the situation. 

I also attempted to submit a fraud claim with Citizens Bank who holds my business account. They indicated that the issue at hand might be with XXXX. While XXXX stated that I would have entered into this relationship with my banker at Citizens Bank. 

Neither institution has been able to provide me with a signed contract which indicates I agreed to enter into this relationship, they both just keep pointing the finger at each other. 

Citizens Bank forced me to go paperless with my statements or I would receive a paper statement fee and I don't do online banking which is why this has not been addressed sooner. 

XXXX did confirm that I have never utilized this service. So, I paid over {$6000.00} for a service which I have NEVER utilized? Would love to hear how that makes sense. 

I want a signed copy of the original contract, and I want to be reimbursed the over {$6000.00} which has been withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 XXXX XXXX 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 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> at XXXX I received email from XXXX XXXX XXXX XXXX a receipt for XXXX annual Platinum passes totaling XXXX dollars per month charged to my Bank of America credit card XXXX I immediately locked card and contacted bank to report fraudulent charge. As this was happening I received another email from XXXX XXXX at XXXX am saying my order has been processed. This order showed 3 passes with names attached to them. I have no idea who any of these people are. After card was cancelled I called XXXX XXXX XXXX and was told to dispute charges with bank. After numerous calls to Bank of America my initial fraud dispute was declined and this charge was put back on my statement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a car loan through XXXX XXXX. 3 months after I bought the car, my car was parked in front of my home and was hit by an intoxicated driver, which flipped my car into my neighbors yard, and my car was totaled. The driver took off running before the sheriffs arrived. I had full coverage car insurance through XXXX. My accident was in XX/XX/year>. XXXX paid off the vehicle loan and confirms XXXX XXXX cashed the check from XXXX in XX/XX/year>, the day after they received it. XXXX XXXX states on my credit report I missed XXXX payments after that, however, there were no payments to be made, as the debt had been completely paid for. They were going to continue until I had bought a different car and because my credit score was affected by the lie from Regional Acceptance, the dealership was going back and forth between Progressive and Regional Acceptance, which then Regional Acceptance finally stopped adding months of nonpayment to my credit score. I believe this is fraud and is still negatively affecting my credit, when my payments were in good standing. I was not late 3 months.

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 2025-01-22 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Guild Holdings Company
State: AL

Complaint narrative:
I have been trying to apply for FHA loans and the application process hasn't moved since I applied. Also, I was told getting a more expensive house : which is out of my price range, would be better for me to obtain a loan more easily. Even though I know I have an acceptable credit score I am still getting denied or not getting a proper process. I missed out on the property I was trying to purchase due to the non-communication from the loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 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 XXXX XXXX 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 2025-01-22 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 writting formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of the 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 claim adequately. They informed me that recovering the lost funds was impossible and that tracking these funds was unfeasible. The CFPB findings 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. This lack of accountability and transparency is unacceptable and raises many concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a complaint against CashApp ( Block, ink. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. Furthermore, there 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. Theses actions has caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My XXXX account was used in cash app to send a substantial amount of money from one Pier to another when I try to resolve this with the bank they denied me even though I had reported that I was unable to login due to somebody changing all of my information my email address my phone number on the account before any of the transactions even started and they were unable to help me then 2 days later my card was used on XXXX XXXX to send a large amount of money multiple different transactions and when I disputed the transactions they said no error were found but they gave me credit for {$1.00} on XXXX of the disputes which didn't make sense they have since been closed my venmo account I don't have XXXX XXXX. So the way it said that I'm out XXXX if I can't get this result some other way the bank has denied my claims and close the account until I can no longer have even metal account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im a victim of identity theft some one remove a tradeline off of my report wirh out my consent the account name XXXX Account # XXXX consumer Law states the report post to be accurate and complete

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 2025-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I was charged XXXX on XXXX of XXXX on a debit card that was previously reported stolen and filed a claim for the transaction as I did not owe the funds. I was provided a credit XXXX that was reversed in XXXX of XXXX. I contacted the bank and they said I owed the funds. 

I contacted the merchant who attempted to refund my account the same way they debited the account and Regions blocked the refund. 

I spoke with an agent on XX/XX/XXXX who advised me that the refund was processing and that it would take longer due to it being sent to a closed card. 

That agent then sent me to the claims department who stated the opposite and advised that the company wont be able to refund the card and I was charged overdraft fees because of this The merchant has since issued a check refund and due to low funds I was unable to pay the fees until I received the check and regions has now locked me out of my online banking account Additionally in XXXX of XXXX my banking information was compromised and {$300.00} were taken from my checking account and thorough my time with regions I was charged multiple overdraft fees due to regions reorganizing my transactions and they way they process. It is truly unfair to me as a customer to have to deal with so much misinformation

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 2025-01-22 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 Funds 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 2025-01-22 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 lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I 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 2025-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX my account was sold to Midland Credit Management on a charged off account as of XX/XX/XXXX. The original creditor was XXXX XXXX  : XXXX XXXX. The amount accused was {$600.00} I refused to pay this amount to the original creditor who could not provide me information as to where they are getting this amount. My account was paid off in full - in person - prior to this balance. I received harassing calls at all hours of the day demanding payment, but no information. 
I got the negative marks removed from my credit report by XXXX XXXX XXXX on XX/XX/XXXX. I got served a notice to be sued in superior court as of XX/XX/XXXX, in which I responded & sent a letter requesting verification to Midland Credit Management. They sent back screenshots of my account information, again nothing showing where they are getting this balance. A trial date has been set for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TN

Complaint narrative:
This is regarding XXXX XXXX  Account XXXX XXXX-open date {$2400.00} Equifax violated FCRA, including by failing to properly conduct reinvestigations of disputed information in consumer files ; failing to prevent the improper reinsertion of previously deleted information from consumer files ; failing to provide adequate written notice to consumers of the results of its reinvestigations ; failing to follow reasonable procedures to assure maximum possible accuracy of information Equifax reports on consumers ; and failing to block reporting of information consumers identified as resulting from identity theft and to provide appropriate notice when such blocks were declined or rescinded.that Equifax engaged in unfair acts or practices in violation of the Consumer Financial Protection Act of 2010 by : ( 1 ) using ineffective systems, flawed processes, and excessive deference to furnishers to resolve consumer disputes and failing to adequately inform consumers of the results of reinvestigations ; and ( 2 ) selling inaccurate consumer credit scores and credit attributes after it introduced test code into a production environment in a scoring model server.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX  amount is XXXX XXXX and XXXX dollars and account is XXXX the other is XXXX  XXXX  XXXX for XXXX and this account been closed and charged off the date was XXXX XX/XX/year> the account number is XXXX the other account is XXXX  for XXXX the account vis closed and I have other stuff that not right I correct name spelling in correct address to

Company response to consumer: Closed with explanation