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: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelles 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 tracking these transactions was infeasible. 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 raise a serious concerns about consumer safety.

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 service 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 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: 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 Finaical Proctection 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 Regualtion E. These actions have cause 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:
On Wednesday, XX/XX/XXXX, I was supposed to get paid through Capital Ones early direct deposit. My pay was never posted, so I waited. I checked my account the next day and my pay was still not there. I called Capital One to figure out if it was an issue on their end or my payroll. After a 40 minute hold, I was told there was a technical issue and they couldnt give an official timeframe when it would be resolved, but by the end of the day, payments should be posted. This morning, on Friday, XX/XX/XXXX, ( which is my official payday Im supposed to get paid on ) my direct deposit still had not shown. It is XXXXXXXX XXXX My mother, who also banks with Capital One, tried to XXXX money into my account, but that hasnt shown either. This is a disservice to their customers. Ive been banking with them for almost 10 years and I dont feel secure in doing banking with them anymore.

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: IA

Complaint narrative:
I am filing a complaint about 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: NE

Complaint narrative:
I set up direct deposit, they cancelled my card so that I couldnt use it, and when my deposit was supposed to come they told me it would take an additional 5 days. I tried to order a new card and it said my account isnt active. 
This has happened on three accounts already. They cancel access to my card.

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: NJ

Complaint narrative:
I have an account with Capital One, and I have early direct deposit that I usually get paid on Wednesday, its Friday, they didnt fix the problem yet, customer service phone number is collapsed, nobody answer, and I have bills to pay.

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: FL

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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: NC

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate costumer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Cashapp did not take the correct measure to protect against, and prevent FRAUD.Leaving my account vulnerable and unprotected.

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: IN

Complaint narrative:
I am filing a complaint against cash app ( block inc ) due to lack of customer service and unfair practices which violate the CFPA. This left my account vulnerable and unprotected. Furthermore, they're dispute. Resolution process was unfair And deceptive As they did not comply with error resolution requirements under the EFTA and regulation e. These actions have caused significant In convenient 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: WV

Complaint narrative:
I am filling a complaint against Cash App ( Block INC ) do you 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 an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, and they did not comply with air 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: WV

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 2025-01-17 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 filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Process Act ( EFTA ) and Regulations E. These actions has 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: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on its 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: NC

Complaint narrative:
I am writing to formally request a full refund of all monies paid to BlockXXXX, Inc due to significant consumer protection violations, inadequate customer service, and fraudulent activities I have experienced. Despite numerous attempts to resolve these issues, the company has failed to provide appropriate support and has engaged in practices that I believe are misleading and fraudulent.

These actions have resulted in substantial financial and personal harm, and I believe they constitute violations of consumer protection laws. As a result, I respectfully request that all funds be refunded to me in full as compensation for the lack of service and the negative impact this situation has caused.

I trust that the Consumer Financial Protection Bureau ( CFPB ) will investigate these violations and assist in ensuring my request is addressed. I would greatly appreciate your support in ensuring that my rights as a consumer are upheld and that justice is served.

Thank you for your attention to this matter. I look forward to your prompt response

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: PA

Complaint narrative:
Its unbelievable how these unauthorized accounts are still showing up on my credit report, continuing to hurt my score. The impact on my life and opportunities has been severe, and Im done waiting for it to be fixed.

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
My repeated efforts to resolve the presence of fraudulent and inaccurate information on my consumer report have gone unaddressed, leading to profound personal consequences. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, and their continued presence has generated significant stress and XXXX  while negatively impacting my financial wellbeing.

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: 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: MN

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 accounts 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 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 Experian 's 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
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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered concerning late payment entries that require immediate attention. Despite my diligent efforts to address this issue, including sending multiple letters requesting validation more than 30 days ago, I have received no response or satisfactory explanation for these entries. This lack of communication and validation has left me in a difficult position regarding my credit status.

Company response to consumer: Closed with non-monetary relief
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: NC

Complaint narrative:
Cash app failed to take any time or effort to help resolve issue concerning my account. Wasn't no able to speak to customer service and funds never was returned to my account. Their business and the way they do things is unfair to all customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/year>, JP Morgan Chase Bank ACCIDENTIALLY reported a negative credit item to my personal credit report regarding a credit card I have with Chase bank. When I found out about the report I spoke with Chase for many hours and was eventually told that the negative reporting was done in error and would be reversed immediately. They promised to have the item removed from my credit report so that it would be as if nothing ever happened. These conversations occurred with Chase on a recorded line which began at XXXX XXXX XXXX and lasted 1 hour and 26 minutes. The final person I was transferred to told me Chase does not report to credit bureaus until 60 days behind and that what they did would be reversed, and then I ended the call.

Chase did remove the negative item from my credit report. However, it has now been over 90 days since it was removed and my credit score has remained around 40 points lower than it was originally, according to XXXX XXXX XXXX. Absolutely no other negative items have been reported to the credit agencies that would account for the drop in score, which makes all of the difference when getting a loan.

By Chase making this error, it has cost me thousands of dollars in interest for my home and business expenses, and has prevented my family from making important and needed steps, namely buying a car so we can properly care for our child.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

Complaint narrative:
On XX/XX/year> I was supposed to get paid my regular paycheck biweekly direct deposit to my checking account at Capital One bank however I did not receive it today is Friday, XX/XX/XXXX and I yet to get my deposit to be able to pay my responsibilities of bills. Instead of receiving my deposit, I have received an email stating there was an issue that the bank is experiencing.

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: IL

Complaint narrative:
Cash app has closed my account over a year ago because I disputed a transaction for over {$700.00} and had proof that the store was fraud and even emails from the store itself saying to dispute with my bank and they closed my account because they didnt want to give me my funds back and now they wont give me an account

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: PA

Complaint narrative:
Capital One has been having " technical difficulties '' since Wednesday and have not made my direct deposit available to me since then. HOWEVER they never sent out any communication or anything to customers. We had to find out by wondering for hours why our deposits hadn't come in and then calling, waiting on the phone eternally, and then be told by a rude representative that they were working on it but had no idea when it'd be resolved. It wasn't until Thursday around XXXX EST, claiming that it'd be resolved by morning. It is now Friday morning and still no direct deposit. My bills are late, my kids have no groceries. It is a mess. And they still have no resolution and not even answering anymore when you call, or automated system hangs up, or if you're lucky enough to get a rep on the line, AFTER HOURS OF WAITING, they have an attitude. There's still no answer and no say of when our direct deposits will be made available to us and most of us NEED that money to literally pay bills and get through the week. We are also heading into a holiday weekend, with still no real response from Capital One, which means our deposits possibly being further delayed and severely impacting our day to day and well being.

Company response to consumer: Closed with explanation