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: OH

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlight 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: 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: IL

Complaint narrative:
I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$330.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00}

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: 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 Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the 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. Th 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: IL

Complaint narrative:
I am writing to formally express my concern regarding Zell '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 list 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I have had several issues with using Zelle with my financial institution ( FNBT/FCB ). When I first started to use the XXXX option in XXXX, it was free to send and receive funds. Somehow, over time I was charged a {$1.00} fee per every and any transaction. This amount can be reflected in my bank statements from XXXX and previous years. This charge has made it extremely hard to pay direct amounts due to the hidden service fees. I have also had money accidentally sent to the wrong person in the amount of {$250.00} and was unable to have the charge reversed. Zelle has been very discouraging as I have vowed to no longer send or receive any funds using this method. Unfortunately it is the only option that my bank offers to send and transfer money without having to send it through the account and routing numbers.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX : {$8900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer 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 unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulations E. This action has caused significant inconvenience financial loss and I seek appropriate redress for this violation.

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: NY

Complaint narrative:
My mortgage payment had increased due to tax increase. I did not receive the notice because I was in the process of moving. I did explain that to the company and they did not take that into consideration. I was set up for auto payment. They did receive the payment every month they just did not apply it. They applied it to *partial payment unapplied*account and marked me for late payment. I called the customer service and the lady I spoke with told me she submitted reversal for the late payment and everything was going to be OK. Then when I called after the problem was still not resolved they had me write a letter to dispute which it did not go anywhere. Its still showing on my credit report. Please help to resolve this. Thank you in advance.

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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reached out to XXXX to dispute this account as I did not authorize it on my report. My identity was stolen due to the XXXX data breach. There are multiple addresses and dates that I do not recognize. I asked XXXX to provide proof of this account, but nothing was done to rectify this issue. Please see the accounts below : XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX  XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX ) Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX  XXXX XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above. 
XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above.

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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reached out to XXXX to dispute this account as I did not authorize it on my report. My identity was stolen due to the Equifax data breach. There are multiple addresses and dates that I do not recognize. I asked XXXX to provide proof of this account, but nothing was done to rectify this issue. Please see the accounts below : XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX  Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX ) Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above. 
XXXX XXXX  ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase offer for {$20.00} merchant credit back to credit card was activated on XX/XX/XXXX, purchase was made in XX/XX/XXXX with post date of XX/XX/XXXX. I never received my credit so I called Chase and they said the offer shows activated XX/XX/XXXX which is a clear error as the offer was activated XX/XX/XXXX. I have two other Chase credit cards and activated the XXXXXX/XX/XXXX offer for husband a couple days after I got mine. This is unacceptable. This needs to be rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to express my concerns about Zelles dispute resolution process, especially in light of the recent CFPB lawsuit exposing significant platform issues. Despite repeatedly using Zelle and reporting discrepancies, neither Zelle nor my bank properly investigated my claims. I was told that recovering lost funds or tracking these transactions was impossible. The CFPBs findings reveal Zelles failure to protect consumers and its allowance of repeat offenders to exploit the system. This lack of accountability and transparency is deeply troubling and raises serious concerns about user 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 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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like the banks charter to be pulled and closed down to their inability to provide fiduciary care of their clients money. Capital One KNOWS they are screwing people. Whats in your Wallet - A GIANT SCAM. 

I called Cap One to inquire why I was not getting the rate they advertise and they would NOT tell me. I would like to be compensating for time, I spent over 5 hours having to figure out the issue. I charge {$200.00} an hour so, {$1000.00} seems appropriate PLUS the difference between the advertised rate he actual rate paid. We had, at one point several hundreds of thousands of dollars with them which we have since moved do their inaction. 

I do not recall ever getting a notice that were higher rates available. 

Criminal Action should be taken against the Managers and Bank Charter Pulled.

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:
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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Amount : {$1400.00}

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: MO

Complaint narrative:
Capital One has failed to process my direct deposit as well as that of my wife. We always get our checks deposited on Wednesdays, here it is Friday, and we have no money. We have bills due and have already had one payment declined. I had to transfer money from savings to cover it. There is no timeline on a resolution and it is a holiday weekend, so we are supposed to go 6 days without access to our money? 6 DAYS!! I will have another paycheck by the time this is resolved, will next week 's check be affected??? Will Capital One offer some kind of compensation to all their customers affected and inconvenienced by this? I know they won't!

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: MD

Complaint narrative:
I am filing a complaint against Cash App due to inadequate customer service NS unfair practices, which violates the 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 Fund ( EFTA ) and Regualation E. These actions have caused significant inconvenience and financial loss. 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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle handing of disputes. Particularly in light of the of the recent CFPB lawsuits highlighting that Zelle was not utilizing a proper verification process which lead to unauthorized transfers that the banks refused to reverse leading financial hardships.

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: OH

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you. This has left me in dire financial stress

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: VA

Complaint narrative:
I am to formally express my concerns regarding XXXX 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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

Complaint narrative:
Found out a transaction was a scam and had proof of scam but company would not address nor reverse issue. They provided no assistance nor helped in any way then when involving my actual bank cashapp stole the money from my account because my bank assisted

Company response to consumer: Closed with explanation