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: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer 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 — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I get paid every other XXXX through direct deposit into my Capital One XXXX  checking account. Today, my direct deposit did not come through. I confirmed with my employer that it was not an issue on their end or with their payroll provider. My paycheck is roughly {$3100.00}. I rely on a consistent deposit schedule to pay my bills, and despite attempting to contact customer service, there is no indication from Capital One as to when my money will be in my account. These are people 's livelihoods that they are messing with.

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

Complaint narrative:
I've been using the cash app for over XXXX  years now with experiencing inadequate customer service and unfair practices which violates the CFPA I would like to be added to this class action lawsuit against cash app

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: IN

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 2025-01-16 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 here to file 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 fraudulent activities on its platform, leaving my account vulnerable and unprotected with funds in it. Furthermore, their dispute resolution process was unfair and cruel, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused a significant inconvenience and financial losses in which Im seeking 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 filling a complaint against cash app ( black, inc ) duee to inadqua5e coustomer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app faeledi to take timly and effective measures to prevent and address fraud on their platform. Leaving My Account vulnwrable And unprotected. Furthermore, their dispute resolution peocess unfair And deceptive, As they XXXX not Comply with wrro reaolution requirements Under the Eletronix Fund Transfer Act EFTA.

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: NC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX ( XXXX ) for violations of the Consumer Financial Protection Act ( CFPA ). The violations are as follows : 1. Deceptive Practices : XXXX misrepresented certain features of its platform, including [ describe the specific deceptive practice, e.g., unauthorized charges, misleading advertising about premium services, etc. ]. This caused me financial harm and was misleading to consumers. 
2. Unfair Practices : The company engaged in unfair practices by [ describe the unfair actions, e.g., auto-renewing subscriptions without proper notice, failing to provide refunds despite promises, etc. ]. These actions resulted in undue costs and stress to me. 
3. Failure to Protect Consumer Privacy : XXXX failed to safeguard my personal and financial data, leading to [ describe any consequences, e.g., exposure of sensitive information, unauthorized charges, etc. ]. 

I believe these practices are in direct violation of the CFPA, which prohibits unfair, deceptive, or abusive acts and practices ( UDAAPs ) in financial and consumer-related transactions.

I request the following resolution : 1. A full refund of [ $ amount ] for the financial harm caused.

2. Clear documentation of XXXX compliance with CFPA regulations. 
3. Assurance that XXXX will cease these practices immediately and implement measures to prevent further violations. 

Attached are [ list of supporting documents, e.g., screenshots, payment records, correspondence with XXXX, etc. ] that provide evidence of my claims. 

I urge the appropriate authorities to investigate these violations and ensure that XXXX XXXX complies fully with federal consumer protection laws. 

Thank you for your attention to this matter. Please confirm receipt of this complaint and advise on any additional steps required.

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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a XXXX XXXX XXXX. I recently reviewed my credit report and noticed inquiries that resulted from the XXXX. I would like these inquiries to be blocked and removed.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/scrub>XXXX XXXX a fraudulent charge appeared on my XXXX XXXX credit card account, which had been inactive for an extended period. This fraudulent charge led to a late payment being reported on my credit report. I only discovered the issue after receiving a notification from XXXX on my credit score update. 

I promptly disputed the fraudulent charge with XXXX XXXX, and they resolved the dispute in my favor, confirming the charge was fraudulent. However, the late payment resulting from the fraudulent charge remains on my credit report, negatively impacting my credit score by XXXX points. 

I contacted XXXX XXXX via a written letter to dispute the late payment entry on my credit report, providing all relevant evidence. Despite my efforts, XXXX XXXX has refused to remove the late payment from my credit report, even though the underlying charge was determined to be fraudulent and resolved. 

I am requesting the removal of this incorrect late payment from my credit report, as it was caused by a fraudulent charge that XXXX XXXX confirmed was invalid. This incorrect entry has unjustly impacted my creditworthiness by significantly lowering my credit score, and I seek resolution through this complaint.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/scrub>XXXX XXXX  a fraudulent charge appeared on my XXXX XXXX credit card account, which had been inactive for an extended period. This fraudulent charge led to a late payment being reported on my credit report. I only discovered the issue after receiving a notification from XXXX on my credit score update. 

I promptly disputed the fraudulent charge with XXXX XXXX, and they resolved the dispute in my favor, confirming the charge was fraudulent. However, the late payment resulting from the fraudulent charge remains on my credit report, negatively impacting my credit score by XXXX points. 

I contacted XXXX XXXX via a written letter to dispute the late payment entry on my credit report, providing all relevant evidence. Despite my efforts, XXXX XXXX has refused to remove the late payment from my credit report, even though the underlying charge was determined to be fraudulent and resolved. 

I am requesting the removal of this incorrect late payment from my credit report, as it was caused by a fraudulent charge that XXXX XXXX confirmed was invalid. This incorrect entry has unjustly impacted my creditworthiness by significantly lowering my credit score, and I seek resolution through this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/scrub> XXXX a fraudulent charge appeared on my XXXX XXXX credit card account, which had been inactive for an extended period. This fraudulent charge led to a late payment being reported on my credit report. I only discovered the issue after receiving a notification from Experian on my credit score update. 

I promptly disputed the fraudulent charge with XXXX XXXX, and they resolved the dispute in my favor, confirming the charge was fraudulent. However, the late payment resulting from the fraudulent charge remains on my credit report, negatively impacting my credit score by XXXX points. 

I contacted XXXX XXXX via a written letter to dispute the late payment entry on my credit report, providing all relevant evidence. Despite my efforts, XXXX XXXX has refused to remove the late payment from my credit report, even though the underlying charge was determined to be fraudulent and resolved. 

I am requesting the removal of this incorrect late payment from my credit report, as it was caused by a fraudulent charge that XXXX XXXX confirmed was invalid. This incorrect entry has unjustly impacted my creditworthiness by significantly lowering my credit score, and I seek resolution through this complaint.

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: SC

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I have disputed numerous times its not correct due to data breach XXXX and XXXX my credit score has continued to be affected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MOHELA
State: NC

Complaint narrative:
My father had been hiding assets and money since XXXX when I had to stop working as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnd resulting health complications. My dad got credit cards in my name without my knowledge, consolidated my student loans into my name without telling me and took out multiple loans and mortgages on my childhood home in NC. After my parents divorced, my father left my mom with nothing and ruined both our credit, which has left us struggling financially. We live paycheck to paycheck on XXXX XXXX XXXX and my moms portion of my dads monthly social security check. My father took out a loan for my XXXXXXXX XXXX and it was understood he would pay for my education. In XXXX, I graduated from XXXX XXXXXXXX in XXXX years with two degrees, a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I went back to XXXX to get my XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. I began working as a XXXX XXXX XXXX XXXX XXXX  After I had to temporarily XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX later diagnosed as the XXXX XXXX, XXXX, my dad consolidated both loans and transferred them into my name without my consent or knowledge. I was very ill at the time and not yet diagnosed. Those student loans are now solely in my name and are on my credit report. Due to his fraudulent actions, I have unable to get a car loan, credit cards, or buy a home for my son, my mother and myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: TX

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 — 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 violate the Consumer Financial Protection Act+ ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent anc address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution proces. was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act1980 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and Repanciaolower 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: SC

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 am seeking 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: IL

Complaint narrative:
( Block , Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection Act. Specifically CashApp failed to take timely and effective measures to prevent to address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was very unfair and manipulated. As they did not comply with error resolutions requirement 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 2025-01-16 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:
Im filling a complaint against Cash App for poor services, unfair practices which violated my consumer financial protection Act CFPA. Cash App has failed to take timely and effective measures to prevent and address fraud on their platform leaving my account unprotected. Cash App dispute resolution process was very deceptive and did not comply with error resolution requirements under the electronic fund transfer act EFTA and Regulation E. These actions have caused significant inconvenience and finical loss. I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, cash app failed to take 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer 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 and convenience 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: KS

Complaint narrative:
I am filing a complaint against Cash app ( block inc ) for failure to provide adequate customer service which violates the consumer financial protection act

Company response to consumer: Closed with explanation