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: 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. 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: PA

Complaint narrative:
I used the number provided and was unable to get someone on the phone... .phone kept ringing, and then shutting off, sometimes music with what seemed like an automated voice.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had reach out to Experian XX/XX/year>. They claim my report was accurate and it wasnt nothing invalid.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Complaint Regarding Inaccurate Reporting of Closed Account Dear CFPB, I hope this letter finds you well. I am writing to express my deep concern regarding a closed account that is inaccurately reporting negative payment history on my credit report. The details of the account are as follows : - Creditor Name : XXXX XXXX Account Number : XXXX - Date Closed : XXXX XXXX  Despite the fact that this account is closed and I owe no past due payments, it continues to reflect negative payment history, which has been incredibly distressing for me. This ongoing issue has caused significant hardship and has limited my financial opportunities, affecting my ability to secure loans and credit that are crucial for my well-being. 

I believe this situation may be in violation of the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of accurate reporting. I respectfully request that this account be either completely removed from my credit report or that the negative payment history be corrected to accurately reflect my payment behavior. 

As a consumer, it is disheartening to face obstacles due to information that does not represent my financial responsibility. I am reaching out in the hope that you can assist me in rectifying this issue, as it has a profound impact on my life. 

Thank you for taking the time to read my letter. I genuinely appreciate your attention to this matter and any help you can provide in resolving 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: 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: GA

Complaint narrative:
I filed a dispute on, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX still showing on my credit report, due to the incorrect information and i did not do business with the company that has my information false information. TransUnion denied to follow up with the investigation. I recently was notified that CFPB had filed a lawsuit against the company ( TransUnion ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. TransUnion has not attempted to remove, nor correct and information. I'm requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a house. TransUnion violates my rights as a consumer, as well as federal laws. 
XXXX XXXXXXXX XXXX XXXX XXXX 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 2025-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Account was opened XX/XX/XXXX with a XXXX down payment with full coverage insurance on the vehicle. Was in an accident XX/XX/XXXX and the car was totaled. The insurance paid the car off and was supposed to clear the vehicle. It was never cleared received information from credit acceptance stating that Ive surrendered the car back to them and that I owed XXXX left on it I contacted my insurance and they stated that they would only pay the remaining balance off for what the value of the car was worth and credit acceptance denied it and requested the car be returned to them, they sold the car and still charged me that amount Ive asked for the 1099c since its stating that Im missing payments on this car after its was crashed and or voluntarily repossessed.. just seems like a big scam and its been on my credit for a long time and Ive havent had the car since XXXX. But its reporting Ive been missing payments for XXXX like how.

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: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

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: AL

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 ( 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 closed, money stolen and vulnerable and unprotected. Futhermost, their dispute resolution process was very unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Though 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Since XX/XX/XXXXXXXX  Capital One Bank has failed to honor their agreement to make deposits available 2 days earlier. Since that day they have not corrected their technical issues and have not honored their claim. As of today XX/XX/XXXX they are withholding my funds due to more technical issues and they place the blame on a third party. I called earlier this morning XX/XX/XXXX and they stated the funds should be available at the end of business hours today. It is now XXXX and no funds have been made available. This situation is causing my family and I financial harm as well as pain and suffering. Since Wednesday XX/XX/XXXX Capital One Bank has been notifying their customers about the situation and it is now end of day Friday and they have yet to resolve the matter. This lack of functionality should not be permitted or taken lightly and I look to seek legal action for remedy.

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 am appalled how zelle has been handling some of these situations and disputes Despite using zelle numerous times and yall still failed to investigate the situation zelle has not only neglected to protect customers but had many offenders to exploit the system leaving people vulnerable to these 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: Other transaction problem — 
Company: Block, Inc.
State: IL

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
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 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 cause 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: NV

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 have informed me that recovering lost funds was impossible and that tracking these transactions would be infeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving us 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Wednesday I did not receive my deposit, figured my employer was late. Thursday I went to capital ones XXXX page and not by their comments because they never posted anything until today but my other customers I determined that they were having technical issues. Its now going on day four with Monday being a federal holiday and I have no access to my direct deposit. Bills are due late feels and over draft fees from bills not processing. Called and hung up due to the overwhelming amount of calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>XXXX  at XXXX XXXX  I received a ATM withdrawal notification of {$120.00} and immediately contacted the cash app customer services to let them know that that ATM withdrawal was not done by me. Then they continued to tell me to file a dispute, which I then theyre filed a dispute, and after a couple of hours I believe the dispute was denied because the reason why was they said that the charge was done by me they believe it was done by Me Which I then filed another dispute and added attachments to that with screenshots of the same day, same exact time zone, same like within a couple of minutes of proof of where my location was that comparing to where they said the location of the ATM withdrawal was done. They then looked at my second dispute and still denied it even with proof that it wasnt me who withdrew the {$120.00}, this wouldnt be the first time that Ive had problems with them returning money that wasnt done or taken out by me and after trying multiple times to talk to them I eventually had no other choice but to give up because they just wouldnt have good customer service. It was always of a to be conversation with them and always the bare minimum.

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: WA

Complaint narrative:
Two deposits were sent to my bank account on XX/XX/XXXX XXXX of {$500.00} to my savings account and another just over {$1500.00} to my checking. Neither have been made available to me. I have received return payment notifications from my credit card payment, morgatge company, gym membership and am unable to pay for my childcare.

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: IL

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. is unacceptable and raises serious concerns about consumer safety.

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: GA

Complaint narrative:
I am writing to formally raise my concerns about Zelles handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant shortcomings within the platform. 



As a regular Zelle user, I have encountered discrepancies in transactions that I reported promptly to my financial institution and Zelle. However, my concerns were not adequately addressed. I was informed that recovering the lost funds was not possible and that tracking the transactions was unfeasible. This lack of accountability and resolution is both frustrating and unacceptable. 



The CFPBs findings reveal that Zelle has failed to adequately protect consumers, enabling repeat offenders to exploit the platform and leaving users vulnerable to scams. These systemic issues undermine consumer confidence and contradict the responsibility of financial institutions to safeguard their customers interests.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I had XXXX someone in accident but it didnt let cancel or get my money back

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 ( 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: GA

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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: OCEANFIRST FINANCIAL CORP.
State: NJ

Complaint narrative:
My account got locked after I tried to deposit and withdrawal money

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: AAA Auto Title Loans, LLC
State: OH

Complaint narrative:
Im filling this compliant bc I was found out on the dark web all my information is out there and all my transactions have been processed but I need to file bc my id name social security is out there

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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