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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$570.00} Late/Closed XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XXXX Balance : {$0.00} Late/Closed XXXX XXXXXXXX Opened : XX/XX/XXXX Collection XXXX XXXX { Original Creditor : XXXX XXXX } XXXX Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$0.00} Collection XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00} XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Transaction not going to try to get refunded back having trouble getting talking to someone to try and solve problems and solutions but no help and lost of issues and money transaction

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: GA

Complaint narrative:
I am filing a complaint against Cashapp ( Block , Inc. ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and affective 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: CA

Complaint narrative:
Id like 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. It is unacceptable because there is no accountability or transparency which concerns me about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: GA

Complaint narrative:
Global Lending Services has repeatedly failed to come to terms with my totaled vehicle and reports a remaining balance on the account despite insurance coverage and GAP ( Guaranteed Asset Protection ) insurance. They have not only failed to report accurately, but their record of payments are inadmissible. Global Lending Services has reported the account as a profit charge off and did not provide me with a 1099 Cancellation form as requested.This unfair and bogus treatment not only violates my rights as a consumer, but has harmed my credit report and created life difficulties.

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: NJ

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.

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: MD

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handing 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 fundings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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 — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: Global Lending Services LLC
State: AR

Complaint narrative:
Subject : Improper Reinsertion of Account by XXXX Global Lending Services Details of Complaint : I am filing this complaint regarding an account with Global Lending Services ( Account Number : XXXX ) that was previously removed from my XXXX credit report. However, the account was later reinserted without proper notification, as required under the Fair Credit Reporting Act ( FCRA ). 

Specifically : XXXX failed to provide written notice within XXXX business days after reinserting the account into my credit report. 

The reinsertion of the account has negatively impacted my credit score, causing financial distress. 


Attempts to dispute the account online were unsuccessful, as the dispute option is now marked as " Not Available '' in XXXX 's system. This leaves me unable to address this issue directly with XXXX. 

Requested Resolution : 1. Provide documentation verifying the reinsertion process.

2. Remove the account if reinsertion procedures under the FCRA were not followed.

I am attaching screenshots of my credit report showing the reappearance of the account and the absence of the dispute option.

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 of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution failed to investigate my claims adequately. They informed me that regarding lost funds was impossible and that tracking these transactions was unnecessary. The CFPB findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenses to exploit the system, leaving users highly vulnerable to scams. The 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a checking account with Capital One, and I have not had access to my direct deposit from my employer since Thursday, XXXX XXXX XXXX due to their system being down. The date is currently XX/XX/XXXX and I am still without funds.

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: 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 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.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX {$1700.00} Tried disputing it. 

XXXX XXXX {$190.00} Tried disputing it XXXX XXXX {$570.00} Tried disputing it XXXX XXXX {$2400.00} Tried to dispute it XXXX XXXX {$830.00} Tried to dispute 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX {$10000.00} reported as correct. No investigation XXXX XXXX XXXXXX/XX/XXXX {$1100.00} Reported as correct XXXX XXXX XXXX accounts {$650.00}, {$420.00} Reported as correct XXXX XXXX {$18000.00} XXXX XXXX Reporting negative with no balance and shows current XXXX XXXX XXXXXXXX

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX, XX/XX/XXXX {$10000.00} reported as correct. No investigation XXXX XXXX  XX/XX/XXXX {$1100.00} Reported as correct XXXX XXXX XXXX accounts {$650.00}, {$420.00} Reported as correct XXXX XXXX {$18000.00} XXXX XXXX Reporting negative with no balance and shows current XXXXXXXX XXXX XXXXXXXX

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: Block, Inc.
State: FL

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

Additionally, their dispute resolution process has been both unfair and deceptive. Cash App has not complied with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E, failing to provide the necessary protections and assistance to resolve fraudulent transactions. 

As a result of these failures, I have experienced significant inconvenience and financial loss. I request appropriate redress for the harm caused and urge your office to investigate these concerns to ensure compliance with consumer protection laws.

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: CA

Complaint narrative:
Capital One will not publish or post the direct deposit from my husbands account. My direct deposit was late but it posted at night on Friday. It is Saturday and my husbands check still has not posted along with another transaction I deposited from another institution that should have posted by now. It is holiday weekend and I can not get my own 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: Block, Inc.
State: TX

Complaint narrative:
Cashapp has failed to take the necessary steps to protect my account I have complained and tried to resolve this issue with them since 2018 and they failed to give me any answers to my complaint Instead cashapp has closed my account and I cant access my account Till this day they cant tell me how my account got hacked or what has been done Instead I am not allowed to have cashapp

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: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A unauthorized transaction was submitted in the month of XXXX XXXX while I was out of the country. Multiple payments of XXXX were sent to a sender that I was not notified about the total reaching XXXX and {$900.00} I contacted Chase bank and submitted a claim of fraud which they disputed and did not return me any of my money that was sent on authorized through XXXX...

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: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Back in XXXX XXXX I was given a job offer to work as a graphic designer at wonder dynamics they gave me a whole interview, art test, and onboarding process for me to undergo. I soon received checks, from them, in large amounts to buy equipment like computers, monitors, etc. only yo have all that money go no where along with the job leading no where. I lost about XXXX in the process and was jobless for the next 6 months because I quit my job for this opportunity.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MD

Complaint narrative:
was charging me for thing I didn't approve also breach of information without my consult .....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: SC

Complaint narrative:
They closed my account due to so much money coming to my account. I provided documents explaining why I had numerous amounts coming to my account but they still closed my account and still havent sent me my refund for the money they took. I believe it was 2021 when they closed the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
Capital one is not showing money from my direct deposit and not able to transfer money to other bill I pay with account. All they say is were working to resolve this issue with a 3rd party vendor, we apologize for the inconvenience but arent saying anything about how they gon na to address the late fee Im getting because they are unable to provide the service they claim to be able to provide.

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: LA

Complaint narrative:
Capital one was supposed to deposit my paycheck into my account on XX/XX/year> but is now having issues across the world with depositing multiple customers paycheck which is causing a huge inconvenience

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: TN

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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds 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: Block, Inc.
State: VA

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 me 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 — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was expecting XXXXhree deposits. Capital One deposited my two small deposits but have not deposited my payroll deposit. My account is overdrawn now because they allow some transactions to go through but theyve also rejected transactions. They have provided little communication and that has been lies.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the 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 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: Block, Inc.
State: DE

Complaint narrative:
I am fileing against cash app ( block, inc. ) due to inadequate customer service. And unfair practices. Which violate consumer protection act. ( CFPA ) specifically cash app failed to take timely and protective 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 resolution requirements under the electronic transfer fund act ( EFTA ) and regulation E. These actions have cause significant inconvenience. And financial loss. And I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation