vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 formally complaining about Zelle 's ability to protect consumers. I had 2 unauthorized charges for {$1000.00} each, and attempted to have Zelle get the money back. They made it seem like it was impossible and could do nothing for me. They told me they would put a note somewhere and document it as fraud, but said I would probably not see the money and there was no one else I could speak with. I also talked to my bank who said I need to talk to Zelle.

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: IL

Complaint narrative:
I am writing to formally discuss my concerns regarding Zelles handling of dispute particularly in the light of the recent CFPD lawsuit. Hairline and significant issues with the platform. The spy using Zelle numerous of times and reporting discrepancies. My financial institution and Zelle. Failed to investigate my claims and adequately. They informed me that recovering loss funds. Was impossible as well as tracking them. The CFPD findings indicate. XXXX has not only. Neglected to protect consumers. But has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. The 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 — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX was transferred from my account to another in 2022 without my permission. Tried to dispute the charges but was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LCS FINANCIAL SERVICES CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting and handling of a charged-off account by XXXX and its subsequent sale to a third-party debt collector, LCS Financial Services. The account number in question is XXXX. 
XXXX. Name Discrepancy Originating from Toyotas Error : When I purchased the vehicle through XXXX, the paperwork was processed incorrectly, listing my name as XXXX XXXX instead of my legal name, XXXX XXXX XXXX. Despite multiple requests to XXXX to correct the error, they failed to update my name. As a result, the debt is inaccurately reported under the incorrect name on my credit report, despite the fact that I never identified myself as XXXX XXXX. 
XXXX. XXXX XXXX : Additionally, XXXX XXXX XXXX is a co-signer on this loan and is facing the same issue of inaccurate reporting. They are also being affected by the name discrepancy and reporting errors in the same way I am, which has caused confusion and harm to both our credit reports. 
XXXX. Original Creditor Reporting Issues : XXXX reported the account as a charge-off and sold the debt to LCS Financial XXXX XXXX However, XXXX has not updated their reporting to reflect the account as having a {$0.00} balance or marked it as sold, as required when a debt is sold. This inaccuracy is affecting both my credit report and that of my co-signer. 
4. Debt Collector Concerns : LCS Financial Services is now reporting this account under the incorrect name and has not provided proper validation of the debt. I have not received proof of their legal right to collect the debt, nor verification of the balance. Additionally, if the debt was charged off and forgiven, I request confirmation of whether a 1099-C was issued for the canceled amount.

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: CA

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 ( 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: IN

Complaint narrative:
I'm writing to formally express my concerns regarding Zelles handling of disputes. Particularly in light of recent CFPD lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institutionand zelle failed to investigate my claims adequately. They informed me that receiving lost funds was impossible and that tracking these transactions was unfeasible. The CFPD '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 accountability and transparency is unacceptable and raises serious concerns for 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 — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> through XX/XX/year> overdrafts in the hundreds until they closed my account and sent to collections agency.

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: 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: PA

Complaint narrative:
Multiple instances of reporting erroneous activity have occurred. It's essential that any unauthorized items are removed within four business days. This involves providing sufficient proof of identity, submitting an identity theft report, identifying relevant information, and confirming its unrelatedness to any of my transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank did not deposit my paycheck to the checking account I have with them.

Capital One Bank make early deposits to customers account ( 1 day before normal direct deposit ). on XX/XX/year>, I did not receive my paycheck. 
Capital One Bank indicated that the issue would be resolved within the Hour.

Friday morning, still no paycheck being deposited to my account. I could not get in touch with customer service. I have tried calling from XXXX to XXXX, everytime I call customer service, the phone would disconnect when trying to speak to a representative. This was happening for hours. 

Friday Night, the deposit finally came to my account.

Not having my funds deposited to my account caused an undue hardship for me and my family. We felt that Capital One held our funds hostage because our employer had already submitted the funds to our bank ( Capital One Bank ).

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: MD

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: 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: Chime Financial Inc
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Chimes handling of disputes, particularly regarding unauthorized charges on my account. I have requested a dispute multiple times and provided all necessary documentation to substantiate my claims, yet Chime continues to deny my claim. Despite clear evidence supporting the unauthorized nature of these transactions, Chime has failed to take appropriate action to resolve the issue. This lack of accountability and unwillingness to assist in recovering lost funds is deeply troubling and raises serious concerns about consumer protection and support.

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: Early Warning Services, LLC
State: NC

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Respondent Information : Zelle Network ( Early Warning Services , LLC XXXX XXXX  XXXX XXXX, XXXX. 
XXXX XXXX Bank, XXXX. 

Subject : Complaint Against Zelle Network and Associated Banks for Fraud Negligence and Harm Complaint Details : This complaint is filed against Zelle Network, operated by Early Warning Services , LLC, and its primary participating banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The complaint addresses the following issues : XXXX. Negligence in Fraud Prevention : Zelles design, as detailed in the CFPBs investigation, exposes users to fraud due to inadequate authentication measures and the allowance of unregistered tokens. As a consumer, I have experienced fraud resulting from this negligence, which Zelle and the associated banks failed to address adequately.

2. Lack of Investigation into Fraud Claims : Despite reporting fraudulent transactions, I have received minimal assistance or resolution. Zelle and its associated banks either closed complaints without action or directed me to contact the fraudster, a clear violation of consumer protection laws.

3. False Claims of Security : Zelle and the associated banks have falsely marketed their service as safe and secure, misleading consumers into believing their funds are protected when, in fact, Zelle lacks basic fraud-prevention measures. 
XXXX. Failure to Provide Timely Relief or Compensation : Despite repeated complaints about fraud, I have not received reimbursement or substantive explanations regarding the handling of my disputes. This has caused financial and emotional harm. 

Relief Requested : 1. Immediate Action to Address Fraud Concerns : Implement adequate fraud prevention and detection measures on the Zelle platform.

Investigate all my prior fraud claims thoroughly and provide a detailed response.

2. Reimbursement for Fraudulent Losses : Provide monetary compensation for the financial harm caused by Zelles and the banks negligence. I demand {$150000.00} for fraudulent transactions, emotional distress, and financial opportunities lost as a direct result of this negligence. 
3. Long-term Compliance Monitoring : Require Zelle and associated banks to comply with federal consumer protection laws and implement safeguards for future transactions.

4. Transparency in Communication : Provide regular updates on fraud investigations and ensure consumers are informed about risks associated with using Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I originally filed a complaint with you all because im unable to dispute my credit report. I recently got a letter from TRANSUNION saying the issue is my dispute is illegible, they further explained that by illegible they mean they can't read my handwriting. That's weird because I disputed online. My dispute is typed on a computer and I assure you I can type and spell. So now instead of disputing online they want me to call. So I call, the operator says we only accept disputes my mail or online! I ask could she please fix my acct so I may do so, she said it was fixed. No it's not I can not dispute anything, it still says PLEASE CALL.. I have been through this process with these people 10 times over 3 weeks. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am writing to formally dispute an item on my credit report that I previously contested. Despite my dispute, all three major credit bureaus [ XXXX, XXXX, XXXX ] have failed to provide any documentation or explanation regarding the investigation process. Instead, they have stated that the debt was " validated '' and closed the case, without offering any proof or evidence of a thorough investigation into my dispute. 

Given the lack of proper investigation and substantiation, I request that this inaccurate item be removed from my credit report immediately, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Instances of reporting unauthorized activity have occurred multiple times. It is crucial to remove any unauthorized items within four business days. This process requires providing adequate proof of identity, submitting an identity theft report, identifying relevant details, and confirming that the activity is unrelated to any of my transactions. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-01-18 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: AZ

Complaint narrative:
Instances of reporting unauthorized activity have occurred multiple times. It is crucial to remove any unauthorized items within four business days. This process requires providing adequate proof of identity, submitting an identity theft report, identifying relevant details, and confirming that the activity is unrelated to any of my transactions. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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

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 | XXXX 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: NJ

Complaint narrative:
I am filling 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: 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 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: 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: TX

Complaint narrative:
I am writing to formally dispute multiple inaccuracies on my credit report. I believe these entries have not been properly investigated as required under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to conduct a reasonable investigation when a consumer disputesT information. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax for failing to conduct legitimate investigations into consumer disputes. This action reflects a concerning pattern of noncompliance and negligence, which directly undermines the integrity of the dispute process. 
Below is a list of the items I am disputing : 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 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 XXXXXX/XX/XXXX I demand that these items be removed immediately unless you can provide clear, verifiable evidence that they were properly investigated and validated in accordance with federal law. Failure to comply with your obligations will be considered a direct violation of the FCRA, which provides consumers the right to accurate credit disputes. 

Additionally, please be advised that I am prepared to take further legal action to enforce my rights under the FCRA. This may include filing E complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing a lawsuit to seek damages for non-compliance. 

I expect your full cooperation in this matter and require written confirmation of the actions you have taken within 30 days of receipt of this letter. Failure to respond appropriately will leave me with no choice but to escalate this issue further. 
Enclosed, you will find copies of all relevant documentation to support my dispute.

Company response to consumer: Closed with non-monetary relief