vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IN

Complaint narrative:
I was alerted by my credit monitoring app that there was a collection reporting on my credit report by XXXX XXXX serviced by debt collector Radius Global LL in the amount of {$55.00}. This debt does not belong to me and I have been a victim of identity theft ; I want for all the credit reporting agencies to block and remove this fraudulent collection and debt from my credit report immediately

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: NY

Complaint narrative:
Capital One has been holding onto my money for the past 2 days with no resolution in sight. They waited until XXXX et to send emails saying deposit will be made no later than Friday morning. Its close to XXXX et on friday with no deposits made to my account. The lack of transparency on whats actually going on and subpar customer service that has been provided hasnt been no help. They arent giving in real time updates. This is unacceptable and they cant get away with holding our money especially with the weekend coming up and a holiday on monday.

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, there disputes resolutions process was unfair and disceptive and they did not comply with error resolutions 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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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 finanacial 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 2025-01-17 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: IL

Complaint narrative:
I am writing formally to express my concerns regarding Zelle handling of disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform Despite using Zelle numerous times and reporting decrepancies my Financial institutions and Zelle fail to investigate my claims adequately, they inform me that covering 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 allowed repeat offenders to exploit the system leaving users vulnerable to scams, The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Ive been trying to get ahold of Capital One agents for the past 2 hours today XX/XX/year>2025. 

I spoke to a representative yesterday XX/XX/year>2025 who stated the reason for no deposit being made on my account for XX/XX/year>2025 is due to outage however payments i make for my credit card go through but no deposit is being made to my checking account. I shouldve received my deposit on XX/XX/year>2025. I emailed their HR because its the ONLY email that i can access to direct me to a department who may assist me however they stated they could not help and provided me the wrong number ( number for credit card unrelated to checking ). This is very frustrating as they dont even know when it will be resolved and they havent even stated about proving compensation for this issue. I fear that im going to be charged for late payments on things i need to pay for due to the delay of my deposit. No one is helping on this situation or providing any helpful assistance.

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: MO

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 XXXX 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:
I am writing to formally express my concerns regarding Zelle. Zelle failed to investigate my claims adequately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act (FCRA). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under: Section 609(a)(1)(A): A consumer contract bearing my signature.  Section 611(a)(1)(A): Proof of an investigation and verification of the disputed information.Additionally, under Section 611(5)(A), the FCRA explicitly requires you to promptly delete all information that cannot be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section 617 to enforce my rights.I demand the immediate deletion of the following accounts: 1. XXXX XXXX XXXX  Account #XXXX (Unverified)2. XXXX  Account #XXXX (Unverified)3. XXXX XXXX  Account #XXXX (Unverified) 4. XXXX XXXX XXXX Account # N/A (Unverified) 5. XXXX XXXX XXXX Account # N/A (unverified) 6. XXXX XXXX XXXX Account # N/A (unverified) Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure to follow federal guidelines. I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.

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:
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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
False Advertising on my XXXX Saving from Capital One 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: Other transaction problem — 
Company: Block, Inc.
State: AL

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.

6

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 information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT WITHIN 4 BUSINESS DAYS. 1. XXXX XXXX XXXX XXXX {$1800.00} 2. XXXX XXXX XXXX {$1800.00} 3. XXXX XXXX XXXX XXXX {$6600.00}, 4XXXX XXXX XXXX XXXX {$200.00} 5. XXXX XXXX {$720.00}. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX. 3. XXXX XXXX XXXX XXXX

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: EQUIFAX, INC.
State: MO

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 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: AL

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 ( C F P A ). 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 depute resolution process was unfair and and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( E F T A ) 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 — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I havent gotten my pay check cant make transfers and my company did say they sent my money directly to capital one! Then they didnt say anything til Thursday night in a email that said they would fix it by Friday morning at XXXX XXXX and here it is the end of the day and I still can no longer access my funds nor can I make any transactions or transfers and they arent answering their phone anymore as well

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 with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I requested cashap do an investigation and stop the payment or do a reverse and never received or had money refunded

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: MD

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: Early Warning Services, LLC
State: PA

Complaint narrative:
I am 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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

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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
My direct deposit was supposed to be to be in my Capital One checking account on Wednesday at the earliest and Friday at the latest. Capital One claims to be experiencing an outage and thousands of customers are missing their direct deposit paychecks including me. Capital One has provided next to no information and has made up a new resolution date with every call. They are now saying check deposits for today wont be available until next week. My heating bill was due today and now it is late. My car insurance will be late in a couple days. 

This is absolutely unacceptable. The supposed outage has been going on for 3 days and Capital One has not even had the decency to credit our accounts. Yet they are still accepting payments to themselves. 

Where is my paycheck?

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: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
This person by the name of XXXX XXXX was sent {$50.00} in return of getting serviced by her and I never got the service, so I tried asking cash app for a refund/ dispute but they were no help and I never got the money back. There are a couple more transactions similar to this money being sent and I never could ask for a refund.

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:
I am writing 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 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. 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has still NOT deposited my work check from Thursday XX/XX/year>, usually I receive that pay on Wednesdays. I have already contacted Capital One Bank and they have not been helpful. I need my money to be deposited, this is not right. I have bills I need to take care of, is Capital One going to pay for my late fees?

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: OH

Complaint narrative:
I am writing 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.

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 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 that recovering lost funds was impossible and that tracking these transactions was unfeasible. 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