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: Early Warning Services, LLC
State: NY

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 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. The 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: 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 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: SC

Complaint narrative:
I am writing to express my concerns with Zelle regarding handling its disputes. In light of the recent CFPB lawsuit with them highlighting significant issues with their platform. I have used Zelle numerous time on different accounts and I had to report discrepancies on multiple occasions, leading to to create multiple accounts, Zelle still failed to investigate my claims adequately. They informed me that covering lost funds was impossible, ( which is ridiculous considering it is connected to the bank ) and tracking transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about customer 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: NY

Complaint narrative:
Im concerned about how Zelle handles disputes, especially after the recent CFPB lawsuit highlighting major issues with the platform. Ive used Zelle multiple times and reported discrepancies, but neither my financial institution nor Zelle properly investigated my claims. They told me it wasnt possible to recover the funds or track the transactions. The CFPBs findings reinforce my concerns, showing that Zelle hasnt done enough to protect users and has allowed repeat offenders to exploit the system, leaving people like me vulnerable to scams. I feel very unsafe and definitely have concerns about because nobody is taking any accountability.

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 — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On Tuesday XX/XX/year> I was alerted that my XXXX employment check was ready and available for me. 
I went into my Capital One checking/debit account to see if the money was there and it wasnt. 
I checked on Thursday XX/XX/XXXX,,, no money I checked on Friday XX/XX/XXXX,,, no money I checked on Saturday XX/XX/XXXX,,, no money I have since then had XXXX accounts that are linked to my debit card not paid!! My high school senior daughter has an upcoming school event that was supposed to be paid by the XXXX for XXXX that she cant go on. This is very upsetting Im also now going to have to pay late charges on those credit card late fees. This is a disaster I have no money for gas or food I LIVE PAYCHECK TO PAYCHECK I AM XXXX XXXX BECAUSE OF THIS MY STRESS LEVEL IS BAD

Company response to consumer: Closed with 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: 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 the timely and effectively measure 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 the appropriate redress for this violation.

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: CBC Companies, Inc.
State: MI

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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: 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, 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 caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I AM WRITING TO FILE A COMPLAINT AGAINST NAVY FEDERAL CREDIT UNION REGARDING MULTIPLE OVERDRAFT FEES I HAVE INCURRED. DEPSITE HAVING SUFFICIENT FUNDS WHEN TRANSACTIONS WERE AUTHORIZED, I WAS CHARGED 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 ARE 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: IL

Complaint narrative:
Expressing formal concerns regarding zelle handling disputes, particularly with recent info given by CFPB & the lawsuit highlighting significant issues with the platform.

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: IL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, 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 Experians inaction violated 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
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: VA

Complaint narrative:
Specifically 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.

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: KY

Complaint narrative:
Cash app had closed my account for no reason whatsoever I had tried to deny the account being closed because there was no reason for it and it got denied with no reasoning I submitted it XX/XX/year>

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: AL

Complaint narrative:
I can not access my bank account and can not get a human being on the phone.

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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal with similar practices, were 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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Fraudulent Inquiries on My Credit Report I am writing to formally dispute certain inquiries listed on my credit report that I believe to be fraudulent. After reviewing my TransUnion credit report, I have identified unauthorized inquiries that I did not initiate, nor have I provided consent for these companies to request my credit information. Specifically, I am referring to the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are fraudulent, and I request that you investigate and remove them from my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to dispute inaccurate or fraudulent information on my credit report, and I am exercising that right by requesting the immediate removal of these unauthorized inquiries. 
As part of my dispute, I request that you : XXXX. Investigate these inquiries to verify their legitimacy. 
XXXX. Remove any unauthorized or fraudulent inquiries from my credit file. 
XXXX. Provide written confirmation that these inquiries have been deleted. 
If these inquiries can not be verified as legitimate, I ask that they be removed from my credit report, in compliance with the FCRA. Additionally, I request an updated copy of my credit report reflecting the removal of these inquiries. 

I have also filed a report with local law enforcement regarding potential identity theft, and I am actively working to resolve this matter. 
Please confirm receipt of this dispute and provide me with an update on the status of your investigation within the XXXX period as required by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XX/XX/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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Block, Inc.
State: CT

Complaint narrative:
There have been several instances where I have been scammed out of my money and I tried taking action through cashapp on multiple occasions and nothing was done, I wasnt able to cancel any transactions or do anything about it

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 status incorrect
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Immediate Removal of Negative Markings from My Credit Report Dear LVNV Funding LLC , I hope this letter finds you well. I am writing to formally request the immediate removal of any negative markings associated with my accounts from my credit report.

It is important to note that the current negative reports are not reflective of my current financial standing and may be harming my creditworthiness unjustly. As a consumer, I am entitled to have only accurate and up-to-date information reported to credit bureaus. Therefore, I kindly ask that you review my account and initiate the removal of any adverse entries. 
Please confirm receipt of this request and provide written confirmation when the necessary corrections have been made. If further documentation is required to process this request, do not hesitate to inform me. 
Thank you for your prompt attention to this matter. I trust that we can resolve this issue amicably and swiftly. 
Sincerely, XXXX XXXX

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 willing to formally express any concerns regarding Zelles handling of disputes, particularly in light of CFPB 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 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.

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: IN

Complaint narrative:
I am writing to dispute the way Zelle has handled disputes particularly in light of the CFPB lawsuit which highlights the significant issues with the platform. I have used Zelle numerous times and Zelle failed to investigate my issues further.

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: MO

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I was supposed to receive a deposit on XXXX still have not received it. Deposit of {$500.00}

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 concerns regarding Zelles handling of disputes particularly in light of the recent cfpb lawsuit highlighting specific 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 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A lawsuit alleging fraud against my bank for the owner of a XXXX savings account began on Tuesday, XX/XX/XXXX. Capital One didn't send me an email alerting me to the problem, and they began delaying deposits and payments that day.I have weekly plans and dates scheduled for when I pay my personal bills, and I typically get paid on Thursdays. Check by check is how I live.I 'm only XXXX XXXX XXXX and a full-time XXXX XXXX I work every hour because I need to. I was not informed by Capital One of the situation or the reason I was not paid. To find out if I was the only one experiencing issues with not getting my deposits, I had to search for information on XXXX. discovered that there were other individuals involved and that the bank was being sued for defrauding consumers out of two billion dollars. I eventually received an email from Capital One outlining the problem on Friday, XX/XX/XXXX, in the afternoon. claiming that deposits and payments are being impacted by a system problem. Even though Capital One is a huge company, I think it's quite unprofessional of them to send an email days later just saying theres system problem and thats it. no more explanations and why its happening, and then say that everything should be fine by Thursday night or Friday morning. I have yet to get a deposit or any information from my bank as of this Saturday, XX/XX/XXXX. This is unfair, and I am unable to pay the bills because I have not gotten any paycheck. I intend to file a lawsuit Capital One for providing misleading information and promising that customers should be good by Thursday or Friday am.

Company response to consumer: Closed with explanation