vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TX

Complaint narrative:
Deposits are not being processed into our accounts. We received and email that said there is a problem with a third party vendor. 
This has inturn made all of my bills bounce that are set to come out of my account the day after I an Supposed to get paid.

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: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
Cash app closed my account because I reported unauthorized transactions I tried to dispute many times they failed to have a live agent assist me instead of my money being returned or refunded they closed my account and would not allow me to no longer access or use the platform

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
I being Charge huge amount of tax and fees each time i receive or transfer money

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: 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 report unauthorized access to my Cash App account, likely through the use of a blocked program, resulting in fraudulent activity. Despite multiple attempts to resolve the issue, no satisfactory solution has been provided. 

This is a clear violation of my consumer rights under the Consumer Financial Protection Act ( CFPA ), which prohibits unfair practices, as well as the Electronic Fund Transfer Act ( EFTA ), which mandates proper handling of unauthorized transactions.

I request an immediate investigation, a full refund for unauthorized transactions, and assurance that my account will be secured. I expect this matter to be addressed in compliance with CFPA and EFTA guidelines.

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: KY

Complaint narrative:
I am filling a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violates the customer financial protection act. Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable 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 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: OH

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 validations.

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:
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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to section XXXX of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.

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

Complaint narrative:
Capital One is not allowing me to access my pay check that was sent direct deposit. Typically my funds are accessible on Thursday morning. However, its now Friday, XX/XX/XXXX and I still have not received my direct deposit. I have received 2 notifications from my credit cards that my payment was unable to processed due to my direct deposit funds not being available. My payments are due and paying late will affect my credit as well! My daycare fees are due Thursdays and I am getting charged {$50.00} per day when the day care is not paid. Capital One reported an outage due to a third party vendor and is working on issue, however, its causing me a lot of XXXX  as my bills are not paid and customers cant even get an estimate when funds will available to be able to make arrangements.

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: DC

Complaint narrative:
I am filing this complaint against CashApp ( Block , inc ) due to inadequate services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on thier platform leaving my account vulnerable and unprotected. Furthermore, thier 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 — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

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.

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: TX

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 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.

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 CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPFA ). Specifically, CashApp 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 a 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: AL

Complaint narrative:
I am filing a complaint against cash app due to inadequate customer service and unfair practices which violate the CFPA ( Consumer Financial Protection Act ). 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 didnt comply with error resolution requirements under EFTA ( Electronic Fund Transfer Act ) 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 — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint against COLUMBIA DEBT RECOVERY LLC DBA GENESIS for improper and unfair debt collection practices. The agency has been reporting a debt on my credit file related to a previous apartment I lived in during college. This debt is inaccurate and unfairly assigned to me without sufficient proof of my sole responsibility.

I requested verification of the debt, and the only document they provided was a move-out statement that listed my name and charges. However, this debt originated from a shared apartment where I lived with four other tenants. The damages and charges reflected in their statement were caused collectively, not solely by me. I have already paid my fair share of the damages and do not believe I am responsible for any remaining balance.

This agencys continued reporting of the debt is causing undue harm to my credit, despite their failure to provide clear and substantial evidence of my individual liability. Under the Fair Debt Collection Practices Act ( FDCPA ), they are obligated to provide valid proof of the debt, which they have not done.

Requested Resolution : The immediate removal of this debt from my credit report with all major credit bureaus.

A cessation of any further collection efforts regarding this account.

I believe COLUMBIA DEBT RECOVERY LLC DBA GENESIS is in violation of federal consumer protection laws and is engaging in unfair reporting practices. I kindly request the CFPB to review this matter and take appropriate action. 

Thank you for your attention to this complaint. I am happy to provide additional information or documentation if necessary.

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:
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 this violation.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Im filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital One has cited technical issues which violates the EFTA ( Electronic Funds Transfer Act ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and Im requesting your assistance in investigating this matter to ensure my rights are upheld

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: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly light of the recent CFPB lawsuit highlighting significant issues with the platform. despite using Zelle 's numerous times and reporting discrepancies, my financial institution and Zelle 's failed to investigate my claims adequately. they informed me 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 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: 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 those 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$730.00} -XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance Owed : {$1100.00} XXXX

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: 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 and resolution process was unfair and deceptive as they did not comply with error resolution requirements under 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: GA

Complaint narrative:
I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
Dispute of Inaccurate Account Reporting - Jefferson Capital LLC, XXXXXXXX XXXX XXXX Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to dispute an inaccurate account reported by XXXX XXXX XXXX in the amount of {$750.00}. I have never opened or authorized any account with this company, and under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ), I am entitled to accurate reporting of my credit history. Please investigate this matter and remove this erroneous entry in accordance with the case law set forth in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation