vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

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: OH

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 ( 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 redres : for these violations. 
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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: OH

Complaint narrative:
I am writing you to express my concerns regarding zelles handling of disputes particularly in the light of the recent CFPB Lawsuit highlighting significant issues with the platform Despite using Zelle numerous of times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering loss funds was impossible. and tracking these transactions was unfeasible.the CFPBs findings indicate My only has Zelle neglected to protect consumers but also allowed repeat offenders to exploit the system leaving userss 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: Block, Inc.
State: TX

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 redres 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: LA

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. I have had several accounts closed randomly without notice with money in the account & they said they were going to mail out any money left & they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: The Phoenix Recovery Group
State: AZ

Complaint narrative:
I am disputing the collection account with PHOENIX RECOVERY GROUP, account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that PHOENIX RECOVERY GROUP, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

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: 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: NY

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to Experian and XXXX stating that the XXXX XXXX  remark on my credit were inaccurate. Not only had it been over 7 years since the first missed payment but that account was also paid off. Nothing was updated and I disputed again XX/XX/XXXX and still it remains on my report inaccurate despite me sending proof of the account being paid. 

On XX/XX/XXXX, I sent a dispute letter to Experian and XXXX stating that the XXXX XXXX  remark on my credit I don't recognize. No update was made to my report on this dispute, and no proof of it being my account was provided. 

I am filing this complaint here as these inaccuracies continue to negatively affect my credit score and not accurately reflect my account status and payment history. I am requesting the CFPB 's assistance in investigating and correcting these as required under the Fair Credit Reporting Act. 

Thank You.

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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX I called my bank because my phone got stolen and my phone had all my information including my debit card. I reported this to Bank of America and told them that there were some unauthorized charges. The phone that got stolen had a phone case where you can store your cards and ID and it looks like a mini book type of thing. I thought only my XXXX XXXX XXXX  and ID was on that phone and phone case. I was able to replace and contact XXXX  and they had no problem giving me back the money that was stolen on that card and I had to replace my ID as well but when I noticed that there was unauthorized charges on my Bank of America card I contact them the moment I caught it. I have a lot more money on my Bank of America card including my savings account with them. They people who stole my phone and the debit card that was inside the phone case overtime purchased an amount that was {$8800.00}. I told Bank of America that I didnt not authorize those transactions and that my phone was stolen and my information was also stolen. Bank of America then quickly made the claim and then rejected my claim very quickly as if they didnt do any investigation and they didnt sent proof that I made the transaction because I wasnt the one that made them. I then call Bank of America again and I tell them that they are stealing from me because they are refusing to give me back money that was stolen from me and that I was going to report them because they didnt do a fair and legal investigation and they sent me a rejected claim without giving me proof and only saying that I made the purchases or someone I know when I told them that my phone and card was stolen and they still say it was my fault. Thats when I told them that they are refusing because its a large amount of money and I told them I was going to report them. I also told them that I would take them to small claims because I am not going to rest until I get my money back. Thats a lot of money that Ive saved up that some thief that stole from my belongings and its not fair that that money is gone and Bank of America refused to help me when it took me a long time to save up just for a thief to steal from me. I reopened the claim and it took them over 2 months investigating to send me that same thing. I believe Bank of America isnt really doing real investigations and the reject everyones claim without proof. If this doesnt get resolved I will take Bank of America to small claims because like I said I worked so hard to save up that money just for someone to steal my phone and debit card to just take it all like that.

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 monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I was supposed to receive my direct deposit money in my account from capital one bank. I did not receive an email until late Thursday after which was XX/XX/XXXX on why my direct deposit was not in my account. It is now XX/XX/XXXX and I have yet to receive my direct deposit. It is a holiday on Monday and I will probably not receive my money. I worked really hard not to receive my direct deposit, i have bills due and bill collectors do not care about capital one technical problems. I will be kicked off certain insurances if I do not pay. The response from the company seems like they do not care.

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: NJ

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 unfeasible. The CFPBs 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 consumers 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: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cashapp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
The account is CLOSED. Theres NO way of getting into it. My account was with XXXX. Through Zelle they borrowed and advancement and shut my account down after putting it into tue negative.

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: VA

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

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have 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: 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed several accounts regarding identity theft on XX/XX/year>XXXX  and provided my driver 's license, my social security number, and an FTC identity theft report highlighting incorrect addresses, phone numbers, and accounts attached to my credit report. By, XX/XX/year>XXXX  most of the accounts were removed. But as of XX/XX/year>. All of the accounts have been reinserted on my credit report. I was not notified by the 5 days of reinsertion and was not provided with information on how the investigation verified the accounts to be reinserted back on my report. I made a complaint on XX/XX/year> and was told Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Trade : All of XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU as well as XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. All of these accounts were outlined in my FTC identity theft report as fraudulent and should have been deleted. In addition, I am filing this complaint to address Equifax 's handling of inaccuracies on my credit report. Recent developments, including the CFPB 's {$15.00} XXXX settlement with Equifax, highlight systemic issues that resonate with my experiences. I am seeking a resolution to ensure Equifax 's compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
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 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 measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process 's, was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transaction Act ( EFTA ) and regulations E. These action have caused significant inconvenience and financial loss, and Im 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: 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
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 filing a complaint with the CFPB regarding Captial One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues that may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. My pay date was XX/XX/XXXX. It is currently XX/XX/XXXX and I have not received my deposit. With Monday being a bank holiday I am unsure if I will receive my deposit before Tuesday. Capital One has sent one generic email stating that the issue would be resolved as of Friday the XXXX, which it was not. I request your assistance in investigating this matter to ensure my rights are upheld.

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: 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:
I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

1. ) XXXX XXXX XXXX Original Creditor : XXXX Company Sold : Not told Account Type : Debt Buyer Date Opened : XX/XX/XXXX but quoted initial account opened in XXXX? 
Status : Collection account. {$2500.00} Status Updated : XXXX XXXX Balance : {$2500.00} Ive disputed inaccurate information several times, Ive contacted both the debt buyer and Experian to update their errors. Ive always been a XXXX customer Ive never held a sprint account. No true response or correction on neither side. 

2. ) XXXX Account type : Auto Loan Date Opened : XX/XX/XXXXXXXX  Open/Closed : Closed. 
Balance : {$9000.00} Balance updated : XX/XX/XXXXXXXX  Last Payment : XX/XX/XXXXXXXX  All information completely wrong Ive reach out to both XXXX and Experian. No help

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