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: NJ

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 ( CFPA ). 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 very 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: MD

Complaint narrative:
This pertains to the serious systems failure by Capital One Bank. I expected my paycheck by direct deposit on Thursday morning, XX/XX/year>. As of XXXX XXXX  on XX/XX/XXXX, the direct deposit has still not appeared in my checking account. Capital One has claimed to have been working on fixing the problem since the morning of the XXXX and last night emailed me that deposits would be made by this morning. Well, it hasn't happened. Please add my complaint to the very large pile. It is unacceptable that my employer has transferred my salary to Capital One, which is sitting on it and not passing it along to me. Thanks.

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 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 17. 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: CA

Complaint narrative:
Im writing to complain expressed my concern regarding Zelle and their handling of disputes specifically in light of recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle and reporting discrepancies Zelle filled to investigate my claims they told me that reporting and retrieving this money is impossible, and are unable to refund me my loss CFPB finding has shown Zelle has neglected to protect the users money and also have repeat offenders leaving me vulnerable to continue to get scammed.

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: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consume 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 Regulations E. These actions have caused a significate 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: IL

Complaint narrative:
I am writing formally to 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 impossible and that tracking these transactions was unfeasible. The cfpb finding indicate thats Zelle has not yet neglected to protect consumers but have allowed repeat offenders to exploit the system, leaving users vulnerable to scam.

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: PA

Complaint narrative:
My direct deposit from my employer was supposed to be available in my account yesterday ( XXXX ) however it is still not available today even and its currently almost XXXX. I called Capital One to see when my funds will be available and they dont give any answers about when I will get my direct deposit.

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: PA

Complaint narrative:
I am filing a compliant against cashapp. ( Block, Inc. ) due to inadequate customer service 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 their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive l, as they did not comply with error resolution requirements under the Ellectronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused an significant inconvenience and financial loss l, 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Todays date is XX/XX/year> Accounts in question with amounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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: CA

Complaint narrative:
Todays date is XX/XX/year> Accounts in question with amounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: GA

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. ( 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a complaint against Equifax for failing to conduct a proper investigation of inaccuracies in my credit report. Despite submitting disputes, Equifax consistently responds within 24 hours claiming the account is accurate without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires reasonable dispute investigations. Additionally, these actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as referenced in the CFPBs recent administrative action ( File No. 2025-CFPB-0002 ) for similar violations. I urge the CFPB to ensure Equifax complies with federal law and provides proof of proper investigations to consumers.

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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
My deposit has not been made available, and Capitol One will not provide me with a reason, or with an idea of when the deposit will be available. Monday is a holiday, and this is now affected my ability to pay my bills on time and feed my children.

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: WI

Complaint narrative:
Its been multiple times money has been took from me on cash app and I have never received a refund ever just a fake report about Im gon na get a refund soon and they are gon na review

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: GA

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. These accounts were neither initiated nor authorized by me, and I am unaware of their origin. In compliance with USC 1681g, I ask that they be removed within 15 days. Enclosed are the supporting documents for your review.

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

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I went into bank trying to open an unfortunately Im not able to because of credit reported from another bank that was reported which I have no clue about

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: VA

Complaint narrative:
TELL CAPITAL ONE TO FIX THEIR ISSUE FASTER. PEOPLE HAVE BILLS AND LIVES DEPENDING ON PAYCHECKS. CAPITAL ONE ISNT BEING TRUTHFUL ON WHY WE ARENT SEEING OUR FUNDS OR RECIEVING DEPOSITS.

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: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims inadequately. They informed me that recovering lost forms was impossible and that tracking these funds was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect the consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. That lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally address my ongoing concerns regarding unresolved fraudulent charges on my accounts with American Express Bank. Despite my repeated efforts to resolve these issues, I have not received satisfactory assistance. 

I filed a report regarding fraud and identity theft in late XXXX, followed by my communication with your fraud department at the beginning of XXXX. Since then, I have provided all requested documentation, including court documents and any additional materials necessary to support my case. However, my account still reflects the disputed charges, and I have not received a conclusive resolution. 

The representative assigned to my case has requested various documents multiple times, and I have promptly complied with all requests. Regrettably, I was informed that a decision had been made to reinstate the charges back onto my account, which is perplexing and deeply troubling. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to file a complaint against Navy Federal credit Union Regarding multiple overdraft fees, I have incurred. Despite having insufficient funds When transactions were being authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB Finding against Navy Federal for similar practices, where transactions Settle with insufficient balances Despite initially available funds. I believe these practices are unfair, and I request an investigation Into my account transactions.

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: GA

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 redressfor 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: PA

Complaint narrative:
On XX/XX/year>, I experienced a disconcerting situation regarding my paycheck, which was supposed to be directly deposited into my Capital One 360 bank account by my employer. After a long day filled with anticipation, I eagerly checked my account, only to find that the expected funds were not available. This unexpected financial gap prompted a series of phone calls that revealed more frustrations than answers. 

First, I reached out to my employer to confirm whether the payment had been processed. The response was reassuring when I was informed that the check had indeed been issued and that there should not have been any issues. This news, while comforting, only added to my confusion about why the funds were not in my account. I understood that technical issues can arise, but the lack of transparency was troubling. 

After confirming with my employer, I dialed Capital One customer service, a decision that would lead to a lengthy wait. My experience on this call was frustrating, as I spent two hours on hold. It is disheartening to think about the time wasted and the anxiety that builds while waiting for a resolution to a pressing financial issue. Eventually, when I was finally connected to a live agent, I was informed that the problem was due to a technical issue on Capital One 's end. They assured me that this would be resolved by the end of the day. Despite this reassurance, as time passed, I remained anxious about the situation and continued to check my account. 

By the end of the day, however, my account remained unchanged, and the expected deposit still had not materialized. This experience underscored the challenges individuals face with banking systems and the reliance on technology for essential services like payroll. Given how dependent many people and myself are on direct deposits for their day-to-day expenses, it is crucial for financial institutions to maintain reliable systems and provide timely support when issues arise. 

My experience today, with the missing deposit was frustrating and anxiety-inducing. When I am one of the many customers that lives paycheck to paycheck to support my family. The importance of timely and effective communication in banking can not be overstated. As technology continues to drive the financial industry, customers must have access to reliable service and accurate information, especially in this timeframe. I am very unsatisfied and disappointed with Capital One. After the issue is fixed I will be closing my accounts with them and banking elsewhere.

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: LA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling 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 tracking these transactions was infeasible.the CFPBs findings 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 unacceptable and raises serious concerns about consumer safety

Company response to consumer: Closed with explanation