vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX Collection account. {$650.00} past due as of XX/XX/XXXX. 
{$650.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Paid, Closed. 
{$520.00} XX/XX/XXXX XXXX XXXX, XXXX. 
{$720.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Closed. 
{$1000.00} XX/XX/XXXX XXXX XXXX XXXX in settlement. 
{$12000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
{$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Paid, Closed. 
{$400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Charge Card Paid, Closed. 

XX/XX/XXXX XXXX XXXX XXXX Account charged off. {$650.00} written off. {$650.00} past due as of XX/XX/XXXX. 
{$650.00} XX/XX/XXXX XXXX XXXX Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
{$150.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

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 — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
capital one Tried to get me to sign up for there savings Plan At a Low Interest rate

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: PA

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 timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute 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 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: UT

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: CA

Complaint narrative:
Ive been a cash app user since XXXX and they have used my name and account without authorization. Taken money and allowed my information to be hacked with no customer service. Date breach and stolen information

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 tak timely and effective measures to prevent ar. 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: 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 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: MN

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes.

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 deeply concerned about Zelles handling of disputes, especially in light of the recent CFPB lawsuit. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to investigate adequately, claiming recovery and transaction tracking were impossible. The CFPBs findings reveal a lack of consumer protection, enabling repeat offenders to exploit the system. This lack of accountability and transparency is unacceptable and jeopardizes user 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was looking through my Transaction History for my XXXX XXXX XXXX  ending in XXXX, which was closed on XX/XX/year> and I noticed Navy Federal has been charging me Interest on XXXX XXXX since XX/XX/year>. I have not had any cash advances on this card because it has been closed for over a year, yet Navy has continued to charge me interest for cash advances since this card was closed. 
I demand a refund of all cash advance fees for which I have been unrightfully charged immediately. Please See attachments. 
XXXX XXXX

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: WI

Complaint narrative:
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: Money was not available when promised — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
My Dad sent me some XXXX money but I never received it and it left his account.

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: MS

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 1 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: LA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my university 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 2025-01-18 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 redrese 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: 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 deceptive 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 I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a complaint against Aidvantage and the Department of Education regarding unauthorized interest accrual on my federal student loans enrolled in the SAVE ( Saving on a Valuable Education ) plan. Despite multiple attempts to resolve this issue, both entities have failed to address the problem, leaving me no choice but to seek your assistance. 

Key details of my complaint : 1. Loan servicer : AidvantageAidvantage Ticket Number : XXXX 2. Department of EducationFederal Student Aid Case Number : XXXX XXXX. Loan balance as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXCurrent loan balance : XXXX XXXXUnauthorized interest accrued : {$1300.00} 4. Issue : Interest has been incorrectly charged on my SAVE plan loans during a period of administrative forbearance when interest should not have accrued. 

Timeline and attempts at resolution : 1. Since XX/XX/XXXX, all SAVE plan borrowers were placed into interest-free administrative forbearance due to ongoing legal challenges.

2. I have made multiple attempts to resolve this issue, including four separate phone calls to Aidvantage on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
3. I have also submitted formal complaints to both Aidvantage and the Department of Education, as evidenced by the ticket and case numbers provided above.

4. Despite these efforts, neither Aidvantage nor the Department of Education has taken action to correct the error and remove the unauthorized interest.

5. This situation has been ongoing for several weeks with no resolution, which is unacceptable. 

The lack of response and action from both Aidvantage and the Department of Education is particularly concerning given that : 1. The Department of Education has explicitly stated that interest should not accrue during this administrative forbearance period. 
2. The current forbearance is expected to last until at least XX/XX/XXXX, or longer, pending further developments from the XXXX XXXX XXXX XXXX XXXX. 
3. Even outside of this specific forbearance period, the SAVE plan includes an interest subsidy where the government covers any accrued interest not covered by the borrowers monthly payment. 

I am requesting your immediate intervention to : 1. Ensure the removal of the {$1300.00} in unauthorized interest from my account. 
2. Restore my loan balance to {$72000.00}, as it was in XX/XX/XXXXXXXX 
3. Investigate why Aidvantage and the Department of Education have failed to address this clear violation of the SAVE plan terms and current forbearance mandates.

4. Implement measures to prevent similar issues for other borrowers in the SAVE plan.

Thank you for your prompt attention to this matter. I look forward to a swift resolution of this issue. 

Sincerely, XXXX 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 — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX somebody got into my account on Cash app and purchased several amounts of bitcoin and transferred it to a XXXX  block and I have never bought bitcoin in my life. I dont even know much about it. I contacted Cash app to let them know I did not make this purchase somebody got into my account and purchased XXXX And transferred it somewhere called the block and I cant understand how to retrieve it back if I can even retrieve it back, so I opened up a claim with cash app and explained the situation and they denied my claim and closed my case, saying that I either authorized it or gave someone else permission and I never did any of This. I appealed the decision and they once again gave me the same answer and closed the case again and told me Im not going to get a refund.

I asked them for evidence that I purchased this XXXX  and who received the money and they refused to reply to me any further and with no explanation they closed the case. I sent several emails and nobody would help me. These are the following amounts that were taken out of my account without my permission the first amount on XX/XX/XXXX was {$990.00}. The second amount on XX/XX/XXXX was {$100.00}. The third amount on XX/XX/XXXX was {$300.00} for a total of {$1300.00} stolen through my cash app from my bank account which is the funding source for my cash app if theres any way you can please help me get a refund of my {$1300.00} that was taken from my cash app fraudulently and sent apparently to nowhere that I can trace. I asked Cash app cant they trace who claimed this money? It had to be retrieved by somebody therefore they are the fraudulent party if you investigate it, you can track where the money went and refund it to me and all they kept saying to me is sorry we closed your case. They in my opinion, never even tried to investigate how this money was taken from my account and where it was sent and why they couldnt retrieve it back if it was XXXX Ive learned now that it goes on some kind of a block so whoever claimed it is who stole my money, but they refused to help me. The case number they gave me associated with my claim is number XXXX.

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: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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: AK

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to normally 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 of 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 tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also repeat offenders to exploit the system leaving users vulnerable to scams. 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 — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NC

Complaint narrative:
I was told my the provider of i send a certain amount through bit coin from my cash app it would double I sent the money several times and never received any money and was locked out my account

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: IL

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 22 financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation