vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For more than XXXX days I have not received my direct deposit, money that I worked with the sweat of my brow to be able to support my family, pay bills, pay insurance, pay my house, the money is held by Capital One without giving it to its clients. 
With just the explanation of saying a XXXX party is at fault..

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 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 29.81 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XXXX I called Synchrony bank at ( XXXX ) XXXX to request a copy of my XXXX for my old care credit card ( Account XXXX ). The balanced charged off was {$7000.00}. I spoke with XXXX from recovery, who stated that the XXXX is not available at this time because the system is showing as ineligible on my account. However, the account is showing as being charged off for the amount of {$7000.00} on my credit report. 

Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while still claiming that I owe the debt. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 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: RI

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: Block, Inc.
State: OH

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 ineffective measures to prevent and address for 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 fraud act and regulation. 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: NC

Complaint narrative:
A relative sent me money via Zelle from a XXXX My Zelle account was linked to my phone, and I received an confirming the transfer. However, after over 4 hours of phone support, including calls to Zelle, corporate phone support and an in-person branch visit, no one could tell me which checking account is linked to this Zelle profile They refused, citing either lack of information or privacy concerns. I deleted and reattached the connection to my actual account through the SMS link, but the branch confirmed that none of my accounts received the money.

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:
I am filling a complaint against Cash App due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. These actions have caused insignificant 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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As of XX/XX/XXXX, I requested my credit reports through XXXX. I successfully received XXXX of XXXX, but I was denied access to my Transunion Report via XXXX. I then went directly to transunion.com to request the report and was denied access to the report. I then called and requested the report and was told by the representative that I would not be able to access the report for another 7-10 business days ; the representative also said they would escalate the matter to a supervisory report team, who would call me back within XXXX business days. I never received a call back, so I called the support line once again and a representative informed me it would only be available by mail. 

After a brief hiatus, I resumed my efforts on XX/XX/XXXX, attempting to pull my credit report directly from transunion.com and was given a blank report ; void of name, account information, or any other information supposedly contained within my consumer report file. After contacting a representative by phone, to troubleshoot the matter, I was again told that the matter would be escalated to a special support team who would call me within XXXX business days. I have been detrimentally financially affected and have lost multiple gainful employment opportunities due to not being permitted to obtain MY credit report.

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: FL

Complaint narrative:
I am formally writing to 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 adequately. They informed me that recovering funds was impossible and that tracking this 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. This lasco of accountability and transparency is unacceptable and raises serious concerns about consumer protection.

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: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I had someone send me funds. however they sent it to the incorrect person. The funds were unable to be retrieved and reallocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: IN

Complaint narrative:
Cash app aka block inc closed my account due to suspicious activity when I reached out to them the only had a virtual assistant which seemed to be automated and just told me it was closed and I could not re open an account. At the time the account closed I was able to retrieve my funds by transferring to my bank account but cash app didnt allow me to request a valid reason with details on what activity was suspicious nor did they give me the option to speak to a live agent.

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: VA

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, unprotected and potentially being closed.

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: FL

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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect its 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have encountered. Despite having sufficient when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 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: 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 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 speak 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: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for 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: AL

Complaint narrative:
I am filing a complaint against Cash App. I had several transactions done on my account and I reported it and had to use a chat bot that was no help. I had no number to contact and explain what was going on. My account was left to be unsecured and vulnerable.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute online with Equifax on XX/XX/year> regarding my name being listed as XXXX XXXX XXXX. I provided an attachment of my drivers license and social Security card showing that my name is XXXX XXXX XXXX ( not XXXX ), yet they still updated my report with this misinformation. I have not been able to obtain the information from whatever reporting agency this misinformation was obtained. It does not matter where Equifax got this bogus name, for it is not my last name, nor have I ever had the last name of XXXX. Obviously, this is a typo that Equifax refuses to remedy.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
In XXXX, I purchased from XXXX using my PayPal Credit Account which is managed by Synchrony Financial Bank. I then returned items to XXXX ( XXXX on statement ). The purchase was for {$550.00} and my statement shows XXXX credits from XXXX for {$230.00} and {$230.00}, but my account balance for the original purchase was still {$350.00} and did not reflect the full refund. I called their customer service and asked for my XXXX credits to be reflected in my account balance. After the credits, this purchase balance should have been {$87.00}. I submitted a dispute to PayPal Credit XXXX Synchrony Financial Bank ) and talked to their customer service. They said they would post the refund to my account, but it was instead posted as a PURCHASE meaning it added over {$300.00} to my balance. It is now XXXX and this is still on my account. I have called their customer service almost every month, and every month the customer service says my next statement will reflect the changes but it does not. My current balance is {$460.00} because of interest building on these false " charges '', {$0.00} of this balance are any actual purchases I made. The last time I called to get this figured out I was hung up on by customer service twice in a row. I do not know what else to do to get this balance removed from my account.

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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Complaint Regarding Inaccurate and Unverified Account Information Reported by Chex Systems Account Information : XXXX XXXX XXXX RTN/ACCT # : XXXX / XXXX Dear CFPB, I am writing to file a formal and urgent complaint against Chex Systems for the continued reporting of inaccurate and unverified information regarding my XXXX XXXX XXXX account. Despite repeated requests, Chex Systems has failed to provide the original consumer contract for this account, a fundamental requirement for validating the debt under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the bank statement provided by Chex Systems is inaccurate. The account was closed on XX/XX/2023, with a XXXX balance at the time of closure. Chex Systems is inaccurately reporting this account as an over drafted account with a balance of {$240.00}. 

Chex Systems ' refusal to provide the original consumer contract and the reporting of this false and misleading information demonstrate a blatant disregard for my consumer rights. This inaccurate and unverified information is negatively impacting my ability to access essential financial services, including opening bank accounts and obtaining loans. 

I demand that Chex Systems immediately cease reporting this inaccurate and unverified information. I request that the CFPB investigate this matter thoroughly and take appropriate action to hold Chex Systems accountable for its violations of the FDCPA and other relevant consumer protection laws. 

I expect a prompt and comprehensive response to this complaint, including a detailed explanation of the steps taken to address the issues raised.

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: TX

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, 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