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: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint with CashApp (

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 inconveni
ence 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 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: NC

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 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: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate 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 — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 an 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: MD

Complaint narrative:
( 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: NC

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 timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected with a unfair and deceptive dispute process as they did not comply with error resolution requirements under electronic transfer act and regulation E these acts have cost financial loss and a significant inconvenience and I am seeking appropriate redress for these violations

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer, and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL, 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 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: GA

Complaint narrative:
I am filing 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 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: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally address my concerns with how Zelle mismanages concerns especially in light of the lawsuit with CFPB. Despite raising concerns with lost funds to both Zelle and my financial institution nothing has been done to resolve my issue and Ive been told tracking the funds is not a possibility.

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: SC

Complaint narrative:
My direct deposit from my employer did not post early or on time with the actual pay day. XX/XX/year> is the actual pay day and my funds are not showing. When discussing the issue twice with Capital One Bank, I received conflicting information on the status of the resolution. Now I have other commitments late and occurring late fees due to this issue.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit any purpose I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Account name : EASTERN ACCOUNT SYSTEM Account Number : XXXX It has come to my attention that EASTERN ACCOUNT SYSTEM is illegally reporting on my credit report. EASTERN ACCOUNT SYSTEM claims that i owe them {$340.00}. I would like for EASTERN ACCOUNT SYSTEM to please send me the ORIGINAL contract or instrument of indebtness that is signed between EASTERN ACCOUNT SYSTEM & I stating that we are in a legally binded contract with one another and that the debt claimed to be owed is valid. 

On top of the above, based on the information provided by XXXX XXXX XXXX  which is a legal website to verify debt collectors ; EASTERN ACCOUNT SYSTEM is NOT legally licensed to practice debt collection in the state of Florida. ( Please see attached image ) Thirdly, I would like for EASTERN ACCOUNT SYSTEM to cease and desist ALL communication including credit report reporting immediately.

15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. It mandates that these agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. If inaccuracies are found, consumers have the right to dispute them, and the bureaus must investigate and correct any verified errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: CA

Complaint narrative:
I am writing to dispute certain accounts and inquiries listed on my consumer credit report, as referenced below, which appear to be the result of a data breach, fraud, or unauthorized activity. I also request verifiable proof of these actions, including documentation bearing my signature or electronic signature. This letter is being submitted by me directly, not a third party, so please review it carefully. I did not authorize any of these actions, and they represent a violation of my rights under the Fair Credit Reporting Act, specifically Section 605B, which addresses the blocking of information due to a data breach or fraud [ 15 U.S.C. 1681c-2 ], and Section 604, which defines permissible purposes for consumer reports [ 15 U.S.C. 1681b ]. 

After reaching out to the companies involved, I determined that these actions were initiated without proper validation or original documentation from the reporting entities. Since I did not authorize these accounts or inquiries, they are inaccurate and should be considered the result of a data breach or unauthorized reporting of my information by creditors or third-party data furnishers.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America XXXX. I had money transferred via XXXX and I never authorized the transfer but was unable to get the funds back

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was caught in a Navy Federal XXXX scam to the point of where my account was closed and even though i told them that i didnt recognize these charges. I lost over {$1000.00} in XXXX  and because it was through XXXX the bank was no help at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IL

Complaint narrative:
Over draft fees, money missing and not showing accurate amount. Credit card fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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:
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: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: SC

Complaint narrative:
I used Lexington law firm for 2 years for credit repair. I was charged upfront fees and didnt see a change in my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. The name of the original creditor to whom the debt was owed. A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. Proof of your authorization to collect on behalf of the original creditor. A breakdown of any additional fees or interest that have been added to the debt since its origination. Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report. I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied. Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period, as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC

Complaint narrative:
This complaint is in reference to CFPB case ID no. XXXX. For XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, Lakeview Loan Servicing LLC, and the following individuals involved in this transaction : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

This complaint stipulates from case no. XXXX, located in XXXX SC, Common Court of Pleas. Once again, I present to the CFPB a copy of the Bankruptcy Discharge Order of Lakeview Loan Servicing LLC, filed XX/XX/XXXX by the Bankruptcy Court in the District of South Carolina, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, relieved from all financial obligations concerning Lakeview Loan Servicing LLC. I present to the CFPB a payoff quote issued XX/XX/XXXX, by Lakeview Loan Servicing LLC. The payoff was accepted and tendered by way of wire through XXXX XXXX XXXX XXXX XXXX XXXX  by XXXX XXXX for XXXX XXXX XXXX XXXX, the Principal. Tender was not accepted by the company and warrants discharge pursuant to UCC 3-603. Furthermore, the transaction of the foreclosure proceedings draws suspicious activity by all individuals referenced above ( See form XXXX ). The security of my home is being brought and purchased by the above-named individuals who claim to have a debt without any proof of verification of it. Identity theft and securities fraud is being done. XXXX XXXX XXXX XXXX has no financial obligations to XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Lakeview Loan Servicing , LLC or their associates. I have presented to the CFPB a copy of 1098 F and 1099 MISC as proof of this transaction previously for the XXXX of XXXX ( to which XXXX XXXX did not show up ), and for future reference of XX/XX/XXXX. Be as it may that no claim has ever existed with these companies, security fraud has taken place and I demand immediate attention to investigating these matters from the CFPB as well as the FTC. This not only draws up concerns of identity theft, Bank fraud, and security fraud but also malfeasance, malicious prosecution, and deprivation of rights under color of law.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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