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: FL

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 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: NY

Complaint narrative:
I still have not received my direct deposit from my employer.

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 parentheses ( block, Inc. ) Due to inaccurate customer service and unfair practices, which violate the consumer financial protection at the ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent an 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 air resolution requirements under the electronic fraud 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: Wrong amount charged or received — 
Company: Block, Inc.
State: IL

Complaint narrative:
XX/XX/year>2024 Money was tollen from my account Also I was being charged for things I didnt Kno about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Capital Credit and Collection Service, Inc.
State: NC

Complaint narrative:
They pocketed my money, and wouldnt tell me where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested for my XXXX direct deposit to be made by capital one bank in a timely matter and they failed to do so. It is now XX/XX/year> XXXX XXXX  EST and I have not received my deposits. They have broken a Federal law it and needs to be handled immediately. They arent answering the phones they arent sending update. Please assist with resolving this issue.

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

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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 financial loss, and I seek appropriate redress ( 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding the recent data breach involving Cash App, which has resulted in the unauthorized exposure of sensitive personal information, including but not limited to names, addresses, phone numbers, and financial data. I am one of the affected users, and I am deeply concerned about the potential risks to my privacy and financial security that this breach has created. According to the information I have received, this breach exposed data that should have been safeguarded by your company. As a long-standing user of Cash App, I trusted that my personal and financial data would be handled with the highest standards of security and care. However, the breach of such sensitive information has caused me significant distress, as I am now vulnerable to identity theft, fraud, and other forms of financial exploitation. I am particularly concerned that Cash App did not provide timely and transparent notification regarding the breach, and that, despite this serious lapse in security, there has been inadequate support provided to affected customers. The failure to protect users personal data and the delayed response to this incident may have caused irreparable harm to many individuals, myself included.

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

Complaint narrative:
I was supposed to receive my unemployment deposit if {$1000.00} on Thursday, XXXX XXXX around XXXX XXXX  CST. However, when it didnt occurred, I called at XXXX XXXX, waited on hold for over 20 minutes and when finally answer, was told that it was a technical issue with a vendor. They also informed me that it should be resolved in a couple hours and gave me the option to dispute the issue. I waited over 8 hours and recalled around XXXX XXXX. The representative told me the issue was still ongoing but it should be resolved by that evening or the morning after ( Friday morning the latest ). Capital One sent out an email stating System issue impacting some deposits, payments and transfers and how the issues began on XXXX XXXX. at XXXX XXXX CST - Thursday, XXXX XXXX. After over 24 hours, I still havent received my deposit. Ive called Capital One several times in the XXXX hour and my call dropped 3 times. 4th call was asked if I wanted a call back and the wait time was over 10 minutes. I didnt get a call back until XXXX XXXX  CST ( over 2 hours later ) with no resolved solution on the issue. Its XXXX XXXX CST and still no updates.

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: EQUIFAX, INC.
State: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: OneMain Finance Corporation
State: NY

Complaint narrative:
I am writing to dispute an account that has been fraudulently reported under my name. This account does not belong to me and was opened or used without my authorization. Below is a summary of what happened, my supporting evidence, and applicable legal citations that support my claim for the removal of this fraudulent account from my credit report. 

What Happened : The account in question was opened or used without my knowledge or consent. 

I have no financial ties to the creditor in question nor any agreement to be held liable for this account. 

This fraudulent account has negatively impacted my credit score and caused undue financial stress.

Actions Taken : 1. Fraud Report Filed : I have submitted an identity theft report through the Federal Trade Commission ( FTC ) at identitytheft.gov.

2. Creditor Contact : I contacted the creditor to dispute this account and requested an investigation. 



Legal Basis for My Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 The FCRA allows victims of identity theft to block fraudulent information from their credit report.

According to 1681c-2 ( a ), a consumer reporting agency must block the reporting of information resulting from identity theft if : The consumer notifies the agency of the identity theft.

The consumer provides a valid identity theft report. 



2. FCRA, 15 U.S.C. 1681i Under 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If the investigation determines the information is inaccurate or unverifiable, the agency must delete it. 


XXXX. Case Law Supporting My Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This case reinforces the consumer 's right to dispute and remove inaccurate or fraudulent information from their credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Highlights the responsibility of credit reporting agencies to investigate and remove unverifiable or inaccurate data. 



Sincerely, XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: SC

Complaint narrative:
My tax refund was deposited into my account in XXXX 2022 and cashapp let someone hack into my account and steal XXXX. I provided all the documents needed to verify my account and they told me they couldn't do anything about it because the money was already gone

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: OR

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: 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 complain against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the CFPA Consumer Financial Protection Act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving accounts vulnerable and unprotected. Also the dispute process was unfair and deceptive as they did not do okay with error resolution requirements under the EFTA, Electronic Funds Transfer Act and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I have a credit card with XXXX XXXX XXXX  that is called First Access card. This card charges monthly, whether it is used or not and I have never used the card, nor have I ever even activated the card. 
I previously reported this company for fraudulently reporting false information to the credit bureau and received a response that it would be corrected. 
I just pulled my credit reports and First Access has now updated the bureaus that the account was closed XX/XX/XXXX of XXXX. I have made payments of {$6.00} per month with an annual fee of {$48.00} since that date. 
I called and tried to explain that this account was never requested closed by me and that if they had closed the account back in XXXX, I am owed a refund of {$560.00} that was paid within that time frame. 
If it was not closed in XXXX of XXXX, then this was fraudulently reported to the credit bureaus once again.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to make 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Since I've opened this card I've been trying to get the correct XXXX XXXX  account connected to this card so that my miles will show up in the account that I have access to. I've called several times and every time I call someone will tell me to either call back or that the problem has been resolved at my accounts are properly connected. So far the problem has not been resolved and all of my miles is going to another account that I do not have access to. They've even gotten XXXX XXXX on the phone and hashed it out together and then they will tell me that the issue is resolved and again it's not resolved. Initially, actually, up until yesterday, I was told by Citibank and XXXX XXXX that my card was attached to an account that I have no knowledge of and do not own. Yesterday they found another account and said perhaps it's connected to that account, which is an old account of mine. 

Furthermore I've been told by XXXX XXXX that I have to get this issue settle with Citibank. Then Citibank tells me I need to contact XXXX XXXX. So I don't even know how to resolve this issue. 

Also I would like it noted that the people who I spoke to yesterday were rude and unpleasant. At times when I was trying to speak one representative would try to talk over me instead of listening patiently.

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: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Subject : Complaint Regarding Withheld Direct Deposit and Resulting Financial Hardship Dear Consumer Financial Protection Bureau, I am submitting this complaint to report a significant issue with my bank Capital One bank, regarding the withholding of my direct deposit, which has caused severe financial and personal hardship. 

Details of the Issue : Deposit Date : My employer issued a direct deposit on Wednesday, XX/XX/XXXX, but as of Friday, XX/XX/XXXX, the funds have not been deposited into my account. 

Bank Involved : capital one bank Amount of Deposit : up to XXXX $ Impact of the Issue : 1. Utility Bill : I am unable to pay my electricity bill, and I risk disconnection during extremely cold weather. This poses a serious risk to my family, including my young daughter. 


2. Car Payment : A scheduled car payment was bounced due to insufficient funds, resulting in a late fee. 


3. Basic Necessities : I am unable to purchase food, gas, and other essential items. 



I have contacted my bank to resolve this issue, but they have not provided an adequate explanation or solution. The delay in releasing my funds is unjustifiable and has caused significant distress. 

Resolution Requested : 1. Immediate release of my direct deposit.

2. Compensation or reimbursement for late fees and penalties caused by the delay.

3. A formal investigation into why my deposit was held. 



Supporting Documents : I can provide supporting documents, including : Proof of my employers deposit. 

Correspondence with my bank. 

Evidence of bounced payments and late fees. 


I trust that the CFPB will investigate this matter and ensure that the bank is held accountable for their actions. 

Thank you for your assistance. Please feel free to contact me for any additional details. 

Sincerely, XXXX XXXX XXXX XXXX

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 Zelles handling of disputes, particularly in light of recent cfpb lawsuits 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 infeasible.CFPB 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 the lack of accountability and transparency is unacceptable and raise serious concerns about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.

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