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: MD

Complaint narrative:
I

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 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: DISCOVER BANK
State: AL

Complaint narrative:
ACCORDING TO, 15 U.S.C 1681, YOU ARE REQUIRED TO MAKE SURE THAT INFORMATION THAT IS BEEN REPORTED IS ACCURATE AND BEEN REPORTED FAIRLY AND HONEST AND YOU HAVEN'T DONE SO. YOU ARE REQUIRED BY FEDERAL LAW TO VERIFY THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT ANY AND ALL ACCOUNTS YOU POST ON A CREDIT REPORT, OTHERWISE, ANYONE PAYING FOR YOUR REPORTING SERVICES COULD FAX, MAIL,OR
EMAIL IN A FRAUDULENT ACCOUNT.
ACCORDING TO 15 U.S.C. 1681. YOU HAVEN'T DONE SO.
15 US 1692c(c). I HAVE NOTIFIED THE DEBT COLLECTOR AND EXPERIAN ABOUT THE DEBT IS NOT MINE, AND DUE TO EXPERIAN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT FOR THE DEBT COLLECTORS THEY ARE CALLING 5 TO 6 TIMES A DAYS WHEN I ASK NICELY TO STOP CALLING.



Discover account# XXXX XXXX XXXX XXXX XXXX

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: MN

Complaint narrative:
My direct deposit paycheck was supposed to hit my account at about XXXX Thursday the XXXX. It is now XXXX XXXX saturday morning. It is a capital one 360 checking account. I tried to reach out to capital one and got nowhere. The only correspondence I have received from them was an email at XXXX XXXX on the XXXX. That email said they were having technical difficulties and the money would be deposited the morning of the XXXX. This will likely cause me to have an overdraft fee on my other XXXX XXXX account because of money I was going to transfer over almost 2 days ago.

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 to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle 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 consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
15 us 1681 C. Vehicle has been totaled out. Financially can not afford to pay for a vehicle I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX. XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX dispute that resulted in removals of credit profiles from all bureaus which initially got removed from XXXX and XXXX XXXX was well as XXXX XX/XX/XXXX Closed account that was removed through dispute was then put back into XXXX. 


Also XXXX XXXX does not accurately report as does not XXXX  nor XXXX  My credit reports differently on all 3 bureaus

Company response to consumer: Closed with non-monetary relief
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). XXXX is inaccurately reporting that my XXXX XXXX XXXX account ( account number : XXXX ) is closed and has been charged off and marked as late as of XX/XX/year>. 

According to 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This provision clearly states that my payment should not be reported as late, yet XXXX has done so. 

Furthermore, 15 USC 1681 Section 602 emphasizes the importance of accurate and fair credit reporting. It is essential that consumer reporting agencies maintain the accuracy and integrity of the information they report. XXXXXXXX XXXX actions are in direct violation of this section. 

Additionally, 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX has failed to comply with this requirement, further violating my rights.

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: 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: GA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ). XXXX is inaccurately reporting that my XXXX XXXX XXXX account ( account number : XXXX ) is closed and has been charged off and marked as late as of XX/XX/year>. 

According to 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This provision clearly states that my payment should not be reported as late, yet XXXX has done so. 

Furthermore, 15 USC 1681 Section 602 emphasizes the importance of accurate and fair credit reporting. It is essential that consumer reporting agencies maintain the accuracy and integrity of the information they report. XXXXXXXX XXXX actions are in direct violation of this section. 

Additionally, 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. XXXX has failed to comply with this requirement, further violating my rights.

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 ar address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, which left 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 XXXX financial loss, and I seek appropriate redress for such 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: NY

Complaint narrative:
I would like to flie an complaint with cash app ( block inc. ) due to inadequate customer service and unfair practices consumer financial protection act ( CFPA ) they failed yo take protective measures or timely measures or effective ones to to prevent or adresss fraud leaving my account vulnerable and unprotected they dispute and resolutions were unfair deceptive as they dod not comply with error resolution requirements electronically transfer act or regulation. These actions have cause significant inconvenience and financial loss i seek 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: Closing an account — Company closed your account
Company: Block, Inc.
State: TN

Complaint narrative:
I was using cash app as my way to receive direct deposit, as well with paying my bills to my grandfather. Suddenly cash cash app closed my account for no reason.

I feel cash app failed to take time and measures to prevent and address fraud on their platform, leaving my account closed for no real reason. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act

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

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 22.JK 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: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX [ Date ] Early Warning Services XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccuracies on Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute certain inaccuracies in my XXXX XXXX XXXX report. My full name is XXXX XXXX, and my Social Security XXXX is XXXX. I have identified several errors that I believe require correction. 

The specific inaccuracies are as follows : Bank Name : BANK OF AMERICA TEXAS Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Consumer Removed Date : XX/XX/XXXX Current Account Status : Savings Closed-Purged Previous Account Status : Savings Closed I have enclosed copies of relevant documents that support my dispute, including [ list any attached documents such as bank statements, correspondence, etc. ]. 

According to the Fair Credit Reporting Act ( FCRA ), I request that you investigate these inaccuracies and provide me with the results of your investigation. I would also like to receive a copy of my updated report reflecting any corrections made. 

Thank you for your prompt attention to this matter. I look forward to your response within the statutory timeframe. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: AL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation.

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 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 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 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 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, especially considering the recent CFPB lawsuit that highlights significant issues with the platform. Despite numerous attempts to resolve discrepancies using Zelle, my financial institution and Zelle failed to adequately investigate my claims.

I was informed that recovering lost funds was impossible and tracking these transactions was deemed unfeasible. The CFPBs findings suggest that Zelle not only fails to protect consumers but also enables repeat offenders to exploit the system, leaving users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises critical 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: TN

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 22 financial loss, and I seek appropriate redress 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 falling 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 funds on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was under the electoral fund transfer Act ( EFTA ) and regulation E.theses action have caused significant inconvenience and financial loss and I seek appropriate redress for theses 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: SC

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 procer 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 225K financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: CA

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: 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 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
My sba loan was sent to cash app and they sent back and turn my card off for no reason also unable to get refund back no response

Company response to consumer: Closed with explanation