vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts, unresolved. The consumer financial protection bureau CFPB has recently file 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 consumer of disputed outcomes these failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal laws and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
Im filing a complaint against cash app ( BLOCK INC ) due to inadequate customer service and unfair practices, which violates the customer 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 did not comply with EFTA. Actions caused significant inconvenience and financial loss and I seek appropriate redress for violation

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 service problem — 
Company: Block, Inc.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Im writing to express my concerns over the Zelle handling of disputes particularly dealing with the CFPB lawsuit highlighting significant issues using the platform.

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 submitted a transaction to incorrect recipient without warning

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: DE

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 XXXX 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 XXXX 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: TN

Complaint narrative:
I am writing to express my concerns regarding the way Zelle handles disputes, in particular to the lawsuit. Despite using Zelle countless times, my financial institution and Zelle failed to investigate the claims. I was informed that recovering those lost funds was impossible and that tracking those transactions was unfeasible. 

The CFPB 's findings indicate that Zelle has not only neglected to protect their customers but have also allowed repeat offenders to exploit their system, leaving users vulnerable to scams. 

This lack of accountability and transparency is unacceptable and raises concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had a chase XXXX account and it was overdrafted about {$590.00}. I was going to fix this once I got paid from my job. My son wanted to open a bank account and my college account was not eligibile to create an account. So I opened a total checking account and was able to open my sons account as well. It was a coworkers birthday and I did not have the physical card but I did have it on XXXX XXXX. My coworkers sent me {$5.00} each. My dad tried to send me {$200.00} and was rejected. I called chase and they said try again - at this point my dad had sent the money to my coworker to send to me. It did not work again. My account was than blocked. I called chase they told me in order to get access to XXXX I would have to pay my overdraft account. I now have paid the overdraft account even though it is closed. I opened a new account and tried to enroll in XXXX  and it is telling me that I am not eligible for XXXX. I have spoken to chase and they are not able to do anything and refer me back to speaking to XXXX  itself. XXXX is unable to help me because they are unable to see any of my chase information. This has been very annoying being that I have used XXXX for many years and have never had this issue and the bank itself is unable to do anything to help but tell me account is blocked due to scam? There was no scam done on the account ever.

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 service problem — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Ive had had for years, its been multiple times payments been sent to the wrong recipient and Ive requested the payment back and never received it

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
STUDENTAID.GOV IS NEGLIGENT IN PROCESSING ECF FORMS AND RECONSIDERATION REQUESTS SENT MONTHS AND MONTHS AGO. I WAS INVOLUNTARILY PLACED IN FORBEARANCE, FIRST DUE TO TRANSITION FROM XXXX TO STUDENT AID ( I RECEIVED DOCUMENTATION STATING THIS FORBEARANCE COUNTS TOWARDS PSLF FOR XXXX AND XX/XX/year> ). A SECOND FORBEARANCE WAS PLACED IN LATE XXXX DUE TO SAVE LITIGATION. I HAD 115 PAYMENTS AS OF XX/XX/year>. I WAS BLOCKED FROM MAKING PAYMENTS SINCE XX/XX/year> BECAUSE OF STUDENT AID. I SHOULD HAVE RECEIVED FORGIVENESS IN XX/XX/year> BUT I AM STUCK IN THIS ENDLESS CYCLE OF INSANITY WITH STUDENT AID WITH 115 PAYMENTS AND 118 MONTHS OF EMPLOYMENT CERTIFICATION. I SENT UPDATED DOCUMENTATION TO STUDENT AID AND I CANT EVEN TELL IF IT WAS RECEIVED. I'VE SENT DOCS THROUGH XXXX, PSLF SELF HELP TOOL UPLOAD AND FAXED UPDATED FORMS AND I EITHER DONT HEAR FROM STUDENT AID CONFIRMING RECEIPT OR IT SITS AS " IN REVIEW '' FOR MONTHS ON END. IVE UPLOADED EMPLOYMENT CONFIRMATION FORMS IN XXXX, XXXX, XXXX AND XXXX AND NONE HAVE BEEN PROCESSED. STUDENT AID IS PROCESSING ELECTRONIC SIGNATURES AND NOT MANUAL SIGN ATURES ; THIS IS UNFAIR AS MY EMPLOYER REFUSES TO E-SIGN AND I AM FORCED TO SUBMIT MANUALLY. I SUBMITTED A REQUEST TO BUY BACK THE MONTHS OF XXXX AND XXXX DUE TO XXXX TRANSITION ( I HAVE DOCUMENT FROM XXXX TO PROVE THIS FORBEARANCE QUALIFIES FOR PSLF ) AND TO BUY BACK XXXX, XXXX AND XXXX SO I CAN RECEIVE FORGIVENESS BUT I HAVE NOT HEARD ONE WORD BACK FROM STUDENTAID ABOUT MY FORMS. I UPHELD MY END OF THE BARGAIN BUT STUDENT AID IS NOT UPHOLDING THEIRS, THIS IS UNFAIR. I SHOULDNT HAVE TO ENTER A NEW REPAYMENT PLAN TO TRY AND GET CREDIT FOR MONTHS I SHOULD BE CREDITED FOR. THIS IS SO UNFAIR. THE GOVT BAILS OUT CORPORATIONS FOR MILLIONS OF DOLLARS BUT IS OF LITLE HELP TO THE " LITTLE '' PEOPLE WHO MAKE IT POSSIBLE FOR THESE MULTI XXXX AND XXXX DOLLAR COMPANIES AND BANKS TO EXIST. I DESERVE BETTER. THE PEOPLE OF AMERICA DESERVE BETTER. WHERE ARE MY ANSWERS? WHERE IS MY RELIEF? I'VE DONE MY PART, I'M TIRED OF BEING TOSSED TO THE SIDE BY STUDENTAID AND XXXX CUSTOMER SERVICE. ENOUGH IS ENOUGH.

Company response to consumer: Untimely response
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: CA

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 seek appropriate for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am very disappointed with the handling of disputes by the credit reporting bureaus. I have submitted proper documentation showing errors and inaccuracies regarding my credit reports. It's my understating that the credit reporting bureaus receives public record information and consumer information from XXXX XXXX XXXX XXXX. I have submitted documentation from XXXX XXXX correcting those items to the credit reporting bureaus and yet the items remain. The Credit Reporting Bureaus are violating the FCRA. CRAs have a duty to follow a reasonable procedure to assure that the information on the report is accurate. See 15 U.S.C. 1681e ( b ). CRAs may report the filing of a bankruptcy because it is a Public Record but in my case XXXX XXXX conducted a review and found the record unverifiable and removed from their records. Also, the CRA 's are not removing the reported identity theft items from my credit report after evidence is submitted.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am very disappointed with the handling of disputes by the credit reporting bureaus. I have submitted proper documentation showing errors and inaccuracies regarding my credit reports. It's my understating that the credit reporting bureaus receives public record information and consumer information from XXXX XXXX XXXX XXXX. I have submitted documentation from XXXX XXXX correcting those items to the credit reporting bureaus and yet the items remain. The Credit Reporting Bureaus are violating the FCRA. CRAs have a duty to follow a reasonable procedure to assure that the information on the report is accurate. See 15 U.S.C. 1681e ( b ). CRAs may report the filing of a bankruptcy because it is a Public Record but in my case XXXX XXXX conducted a review and found the record unverifiable and removed from their records. Also, the CRA 's are not removing the reported identity theft items from my credit report after evidence is submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect customers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This 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: Block, Inc.
State: ID

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: FL

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 account name : XXXX with the erroneous late mark for XX/XX/year>. The furnisher has already updated the negative mark into positive one with also sending a confirmation letter of the update reflecting I have never been late. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic misrepresentation 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 not corrected disputed item despite the evidence I provided. This is causing ongoing harm to my credit standing. I am requesting immediate corrective action to correct the disputed account, as Experian 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
Tried logging into my account today and noticed my account was restricted. The company never reached out to me regarding anything going on with my account. They just restricted it without warning. When I called to get information she couldnt tell me why and said I would have to find another service to use and transfer money.

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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuits 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 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. 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: Velocity Portfolio Group
State: FL

Complaint narrative:
On XXXXI submitted a complaint to CFPB regarding CKS PRIME {$590.00} asking XXXX to remove this account as the account is not reporting on XXXX. In addition, CKS PRIME is reporting different data to XXXX and XXXX which I will file a report on also. 

XXXX responded to my complaint almost 60 days later on XX/XX/year>XXXX  with a canned response that also included : " Per your request to conduct a reinvestigation, we contacted the data furnisher ( s ) for the disputed items on your XXXX credit report and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the remaining disputed information was accurate as reported '' I do not believe XXXX conducted a full or thorough investigation, nor did they provide any information regarding the furnisher in which they allege they obtained the information from. 

This item should have been removed from my account within the time requirements set by the FCRA which is Federal Law Also with knowledge of the recent lawsuit against XXXX, I ask that you please review and delete this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
I was aware of the recent information of cash apps lawsuit and how they may potentially have our information and potentially get my info stolen. Ive had problem before where my account would charge me without me knowing or trying to purchase anything many times. As this wasnt recent because ever since I havent used cash app but this makes me feel very troubled about my identity and my information when I used this app.

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: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit XXXX, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected the 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 XXXX inaction violates federal law and my rights as a consumer.

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: DC

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. Ive been trying to receive a wire as well for days! 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