vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I am currently taking action to file a complaint against Cash App ( Block INC ) due to inadequate customer service and unfair practices. This actually violates the Consumer Finacial Protection Act. ( CFPA ). In other words, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, which leaves my account vulnerable and unprotected, and I am very outraged about such thing.

Furthermore, their dispute resolution process is very unfair and deceptive, as they DID NOT COMPLY with the error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. And because of this, 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 2025-01-17 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 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 2025-01-17 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 violates the Consumer Financial Protection Act ( CFPA. Specifically, Cash App filed 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 requirement un the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress foe these violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like a full investigation in what is taking place with my funds. I want access to my fund availability and any fees added due to this issue-refunded. I would like the CFPB to also provide investigation and any fines that Capital One would be responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: LA

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 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute a 30-day late payment reported to the credit bureaus on my Wells Fargo credit card account . The payment in question was allegedly missed on XXXX of 2021. However, I believe that this late payment was due to an error on your part regarding the accuracy of my contact information, and I respectfully request that this late payment be removed from my credit report.

Specifically, my contact information was up-to-date for my Wells Fargo checking/savings account , but I have discovered that it was not updated for my credit card account. As a result, I did not receive timely notifications regarding the due date of my payment. I was unaware of the outstanding balance and, as a result, the payment was late.

As you are aware, under the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate, complete, and up-to-date information to the credit bureaus. Furthermore, under the Truth in Lending Act ( TILA ) and Regulation Z, creditors are obligated to provide timely and accurate billing statements and notices to consumers. Given that the information you had on file for my credit card account was not current, I was unable to make the payment on time.

I kindly request that you investigate this matter and correct the information reported to the credit bureaus. I believe that Wells Fargo 's failure to update my contact information was a direct cause of this late payment, and under the aforementioned regulations, I should not be penalized for this error.

Please confirm in writing that you have removed this 30-day late payment from my credit report, and provide me with a copy of the updated report once this action has been taken.

Thank you for your prompt attention to this matter. I look forward to your timely response.

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 2025-01-17 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 that violate the Consumer Financial Protection Act ( CFPB ). Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and its regulations. These actions have caused me significant inconvenience and financial loss, and I am seeking appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: VA

Complaint narrative:
I am writing to file a formal complaint against XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX has repeatedly neglected their legal obligations in handling my credit report disputes, and I am requesting your intervention to resolve these issues for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Complaint Details : 1. Failure to Verify Accounts ( 15 U.S. Code 1692g ) : XXXX has failed to provide verification of accounts I have disputed. Under this provision, they are required to provide sufficient documentation to validate that the accounts are legitimately mine, which they have not done.

2. Failure to Provide Proof of Validation ( 15 U.S. Code 1681 ( a ) ( 6 ) ( B ) ( iii ) ) : Despite my repeated requests, XXXX has not provided proof of validation or a purchase agreement verifying that the disputed accounts belong to me. Without such documentation, their continued reporting of these accounts constitutes a violation of federal law.

3. Reinsertion of Incorrect Information ( 15 U.S. Code 1681 ( a ) ( 4 ) ) : XXXX has wrongfully re-added disputed accounts to my credit report without proper notification or verification. As stipulated by the FCRA, this is a clear violation of my rights as a consumer and has caused significant harm to my credit standing.

4. Failure to Ensure Accurate Reporting : XXXX has failed to ensure that my credit report reflects accurate and validated information. By failing to validate or remove disputed items, XXXX is acting in direct violation of FCRA requirements. 

Requested Resolution : I am requesting that the CFPB intervene to ensure that : XXXX removes the inaccurate and unverified accounts from my credit report immediately. 
XXXX provides documented proof of validation and verification for any accounts they continue to report. 
XXXX ceases the practice of re-adding disputed accounts without proper verification and notification. 


The actions of XXXX have caused unnecessary stress and harm to my credit profile. I respectfully request that the CFPB take immediate action to hold XXXX accountable for their noncompliance with federal laws. 

Thank you for your time and assistance in addressing this matter. I look forward to your prompt resolution of this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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 am writing to formally express my concerns regarding Zelle 's 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formerly express my concerns regarding Zelle handling of disputes particularly in the light of the recent cfpd lawsuit highlighting significant issues with the platform using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately, they informed me that recovering the lost funds was impossible and the transaction could not be tracked, not only had Zelle neglected to protect consumers but has also allowed repeat offenders to exploit there system leaving users vulnerable to scams the lack of accountability and transparency is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Hello, I have a car loan from Westlake Financial Services. My car was stolen and salvaged recently. Because my basic car insurance did not cover the incident, I expected my gap insurance policy to cover my loan. I have a GAP insurance policy with the company, which I paid {$390.00} for upon signing.

When I filed to use my gap insurance, I was told that the value of my car exceeds what I owe ( {$8500.00} ), even though my car is worth much less than that at its current state.

See language in the gap insurance policy : Actual Cash Value means on the Date of Loss : ( 1 ) the market value of the Vehicle as determined by the primary insurance carrier less any insurance carrier deductible in an amount no more than {$1000.00} ; or ( 2 ) if there is no primary insurance coverage at the time of the loss ( or if the insurer that issued the primary insurance is insolvent ), the market value of the Vehicle as defined in XXXX XXXX XXXX XXXX ( XXXX ) Official Used Car Guide. Creditor means Creditor as listed on page 1 of this Gap Waiver. Customer means the purchaser of the Vehicle, as listed on page 1 of this Gap Waiver.

When I asked for next steps on determining a value of the car, I did not receive any response from the bank representative. I have been calling Westlake financial day and night, but I can not reach their GAP claims department. I am put on hold for hours and then told to call at a different time. One customer service representative told me that they have not had contact with the GAP claims department for two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 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 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 submitting a formal complaint against Cash App ( Block, Inc. ) regarding their substandard customer service and unfair business practices, which are not in compliance with the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Moreover, their dispute resolution process was unfair and deceptive, failing to meet the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Consequently, I have suffered significant inconvenience and financial loss, and I am seeking appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Florida Financial Management dba Lend A Dollar
State: TX

Complaint narrative:
My balance is now XXXX and it keeps going up and I told him to drop that cuz I couldn't afford that every time they try to take money out it keeps going up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: TX

Complaint narrative:
As of XX/XX/XXXX capitol one bank has not released my direct deposit and has provided no type of information or estimated time of resolution. This has caused scheduled payments to be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: VA

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 2025-01-17 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: VA

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 2025-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX phone : XXXX date : XX/XX/year> ssn : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Credit Reporting Errors Dear CFPB, I am filing a formal complaint against the reporting practices of TransUnion, XXXX XXXX and XXXX regarding the following inaccuracies on my credit reports : Accounts in Question 1. XXXX XXXX XXXX Incorrect charge-off status and balance discrepancies. 

Requested documentation and validation of debt not provided. 

2. XXXX XXXX XXXX Unverifiable collection account reported without proper validation. 

These errors violate federal laws designed to protect consumers : FCRA Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must verify disputed information within 30 days.

FDCPA Sections 807 & 809 ( 15 U.S.C. 1692e & 1692g ) : Debt collectors are required to provide debt validation and avoid deceptive reporting practices.

I request the CFPB to investigate these violations and ensure the credit bureaus comply with their legal obligations. These inaccuracies have caused undue harm to my financial well-being, and I seek timely resolution.

Thank you for your assistance. Please let me know if additional information is required. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I've had a formerly ING Direct, now Capital One 360 Savings account since 2003. I've never earned more than a 1 % APY despite the company touting this product as a high-interest savings account. Capital One never contacted me or informed me that they had a better savings product than the one I've been using over the past several years. I am absolutely gobsmacked that the company withheld this information and cheated me out of so much money over the past two-decades.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NV

Complaint narrative:
XX/XX/year> XXXX I called XXXX to Caine & Weiner on behalf of XXXX XXXX to see if I can pay to delete account on my credit report. Representative told me in order to access my account it will be {$1.00} charged to my credit card so that they wouldnt have to run my credit as this is considered a " pay-to-pay '' fee which is often illegal under the Fair Debt Collection Practices Act ; a debt collector can only charge fees explicitly authorized by the original loan agreement or permitted by law. They already have my information on file as a debt they say I owe. Why would I provide them my credit card information to charge me to view my account. This is illegal and I would like this removed from my credit report as I tried to see what was going on to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
My direct deposit from Wednesday still not available and is Friday XXXX XXXX honestly Capital one is violating and abusing by not even notice or contact clients, I have bills to pay, definitely ending my relationship with capital one after I get my money

Company response to consumer: Closed with explanation