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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I disputed the Debit Company ( Military Star ) with XXXX several times via online as well as certified mail. I asked for validation of the debit by sending me the Assignment Contract from the Debit Collector & the Original Contract with my Wet Signature on it from the Original Debit Company. In which I have never recieved from either parties. What I did recieve from the Original Debit company is a bill statement saying I owe this debit. Then continue to report it to the credit bureau as closed account, & late patments, collection. XXXX  then updates the information on my credit report as validated within a couple of days of me filing the dispute.

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

Complaint narrative:
Capital One Bank has not released my direct deposit from my employer. The deposit should be available biweekly on Thursdays. Today is Saturday and I have not received it. Capital One has not issued any additional correspondence regarding this situation to its customers beyond a vague email on Thursday night. The email confirmed that the issues began on Wednesday. Consumers were not notified until Thursday. This has impacted thousands of families.

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: RI

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: FL

Complaint narrative:
I am writing regarding Zelle handling of dispute, particularly in light of the recent CFBP lawsuit, highlighted significant issues with the platform. Disputed using XXXX  numerous times and reported discrepancies my financial institution as a fail to investigate my claims adequately. They informed me that covering loss, funds with impossibility and that tracking these transactions were infeasible. Does CSPBS find it indicate that Zelle has not only neglect to protect consumers has also allowed repeated offenders to exploit the system leaving uses vulnerable to scams. The lack of accountability transparency is unacceptable and rising 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: Fraud or scam — 
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I was a victim of a fraudulent scam. Between XX/XX/year> and XX/XX/year> I contracted the services of an independent contractor for purposes of catering an event. After being charged {$450.00} for service fees to someone I thought operated a legitimate company, I realized that the individual was trying to leverage additional monies from me in order to complete the agreed upon services. After realizing the scam I contacted my banking institution as the charges were assessed to my account through both Zelle and XXXX XXXX. XXXX XXXX  refused to honor my dispute with both companies and as a result I faced monetary damages of {$450.00} plus the travel fees assessed for me to travel to the event location after being provided an estimated delivery date for supplies to the venue. This resulted in the amount of {$750.00} for travel fare. The event had to be rescheduled and an additional {$600.00} was required to pay for new supplies, venue and merchant services. This scam resulted in me losing a total of {$1400.00} because the bank refused to return my initial {$450.00} dollar loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to express my concern 's regarding zelle handling my disputes. I used zelle numerous times and reported any issues I had and zelle failed to investigate my claims.

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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> wire transfer for a final mortgage payment ( {$1100.00} ) initiated from XXXX XXXX to XXXX XXXX account with Chase Bank. XX/XX/year> completed wire transfer confirmation. Wire transfer was rejected requesting more information. I was not contacted by Chase, XXXX XXXX, or XXXX XXXX about requesting additional information. 

After a full week of contacting XXXX XXXX who still did not receive the payment we ( XXXX XXXX agent and I ) contacted XXXX XXXX about the wire transfer. We were informed of the issue and I provided the requested information to XXXX XXXX to send to Chase Bank. 

Another week goes by and I contacted XXXX XXXX, they still did not receive the wire transfer. Also because the delay, the wire transfer is no longer the valid payoff amount. I then proceeded to do a full payment over the phone with my debit card. 

XX/XX/year>, I contacted XXXX XXXX to request that the wire transfer be refunded. As it is no longer valid and account it was supposed to go to has already been paid in full. 

XX/XX/XXXX I've still not received the wire transfer refunded. I've contacted via XXXX XXXX XXXX and informed them that Ill be file a complaint for Chase Bank and XXXX XXXX regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized I was charged fees due to the lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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: Early Warning Services, LLC
State: PA

Complaint narrative:
im writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issue with the platform. The CFPBs indicate not only have Zelle neglected to protect consumers but also allowed repeat offenders to exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
Here is the text from the image you provided : 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to file a complaint regarding an issue I am experiencing with Capital One. My official payday is today, XX/XX/year>2025. This week my deposit did not arrive as expected. 

I received an email from Capital One acknowledging technical difficulties and indicating that deposits should arrive by Friday morning. However, as of now, the deposit has still not been received. 

I am concerned about the lack of safeguards in place to handle situations like this. While the company has acknowledged the issue, I have been unable to reach customer service for a resolution. When I do manage to get through, the representatives are unable to provide any helpful information or updates. 

This situation is unacceptable, as many individuals depend on their paychecks arriving on time to meet their financial obligations. I believe there should be stronger protections and contingency plans for customers in cases of technical issues that delay access to their funds. 

I respectfully request that this matter be reviewed to ensure accountability and that measures are implemented to prevent similar issues in the future. 

Thank you for your attention to this matter

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: DE

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 error resolution requirements under the Electric Fund Transit 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: NC

Complaint narrative:
Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected : Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. And as of now I screenshot it some of the disputes but as I Go up on the dispute chart and don't let me go up no further than XXXX and I know I've been having problems with cash app since XXXX I done had a dispute that somebody stole my phone and took money off my cash app and I told them and they never got back to me they never said nothing and that is unfair and it was almost XXXX $ in XXXX then not only that I got few other one that didn't get taken care of an that not right I have things I need to do n cash app ( block inc ) needs to be held accountable

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: NY

Complaint narrative:
I am writing to file a formal complaint against Zelle for failing to properly investigate discrepancies I reported in my account transactions, I identified discrepancies in my Zelle transactions, including unauthorized transactions, incorrect amounts, funds not received/sent. I promptly reported these issues to Zelle/customer service expecting a thorough investigation as required by law.

This lack of action has caused me significant financial and emotional distress, as I am still dealing with unresolved issues. I believe Zelle violated its obligation to ensure proper investigation and protection for its users under the Electronic Fund Transfer Act ( EFTA ).

I am requesting your assistance to hold Zelle accountable and ensure that Thank you for your attention to this matter.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process5.8k 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: KY

Complaint narrative:
I am filing a complaint against cashapp ( block inc. ) due to inadequate customer service and unfair practices, which violates the cusumer financial protection act ( CFPA ) 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 act ( EFTA ) and regulations E.these actions have caused significant inconvenience and financial loss and I seek appropriate redress 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: OK

Complaint narrative:
Furthermore, their dispute resolution 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 unsignificant 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: NE

Complaint narrative:
I'm filing a complaint against Cash App ( Block , Inc. ) for 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 process was unfair and deceptive, as they didn't comply with error resolution requirements under ( 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: MI

Complaint narrative:
I am filling a complaint against cash app ( block , inc ) do to inadequate customer service and unfair practices which violates the consumer Finacial 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones 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. I get a huge portion of my payroll directly deposited in my acct weekly ( {$650.00} weekly ). 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: OK

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 has 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 see appropriate redress for these violations.

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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of the Equifax data breach and identity theft which resulted in unauthorized accounts being on my credit report. I have attached all necessary documentation along with my complaint.

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: KY

Complaint narrative:
I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent any address fraud on there 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 action have caused significant financial loss and many inconveniences, and I seek 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 service problem — 
Company: Block, Inc.
State: MN

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 proces 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 O have caused significant inconvenience and financial loss, and I seek appropriate redress for this information

Company response to consumer: Closed with explanation