vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
So I created a cash app account back In 2021 everything was fine I had my direct deposit set up to cash app so I could get paid early. I received a paycheck in the amount of {$650.00}. First I tried to make a payment on my lights using the cash app card they provided and it said failed. And Im like this cant be right because I just got paid. Soo I try to go into the app and login it says youre no longer able to sign in using this account and it asked me to make another one!! My heart instantly dropped like what is going on. So I made another cash app to contact cash app support and let them know I needed to get my money. They told me they closed my account because fraudulent activity had been suspected. Im like how is there fraudulent activity when all I do is get my paycheck to the account pay my bills and use it for everyday spending. They didnt reply!! So I messaged them again and again until one representative told me I would not be able to get my funds!! I cried like a baby

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Formal Complaint Regarding Service Issues and Request for Payment Resolution Dear Cash App Support Team, I hope this message finds you well. I am writing to formally lodge a complaint regarding my recent experiences with Cash App services, which have caused significant frustration and financial inconvenience.

As a user of Cash App, I have encountered several issues that have not been resolved despite multiple attempts to address them through your customer support channels. Despite your platforms assurances of security and customer satisfaction, I have not received the necessary support or solutions to resolve these concerns.

Moreover, I am aware that Cash App is currently involved in multiple lawsuits, including actions taken by the Consumer Financial Protection Bureau ( CFPB ) regarding various regulatory and consumer protection violations. These developments raise serious concerns about the level of care and compliance Cash App is providing to its customers, including myself.

In light of these issues and your ongoing legal challenges, I am formally requesting a resolution in the form of a payment or compensation for the inconvenience and financial losses I have experienced. I believe this is a reasonable request given the ongoing challenges users, like myself, are facing with your platform.

If this matter is not addressed satisfactorily, I will be compelled to escalate this issue with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities.

Please respond to this complaint within [ reasonable time frame, e.g., 710 days ] with a proposed resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I am filing 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 2025-01-19 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: NC

Complaint narrative:
Sent in disputed for incorrect accts showing on credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: SC

Complaint narrative:
I am writing to formally file a complaint against Experian for their repeated failure to comply with federal credit reporting laws, including but not limited to violations of the Fair Credit Reporting Act ( FCRA ). Despite my multiple attempts to resolve these issues directly with Experian, they have not fulfilled their legal obligations under the following statutes : 1. **15 U.S.C. 1681e ( b ) ** Failure to ensure maximum possible accuracy of the information in my credit file.

2. **15 U.S.C. 1681s-2** Responsibilities of furnishers of information to provide accurate and complete data.

3. **15 U.S.C. 1681i ( 5 ) ** Failure to properly reinvestigate and correct inaccuracies in my credit report.

4. **15 U.S.C. 1681c ( c ) ** Reporting obsolete information. 

# # # Chronology of Disputes Filed : - XXXX XXXX, XXXX : ** I submitted a dispute regarding inaccuracies in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX A second dispute was filed due to unresolved issues. 
XXXX XXXX XXXX XXXX XXXX XXXX I filed another dispute, which also went unresolved. 
- XXXX XXXX, XXXX : ** I submitted yet another dispute to address the persistent errors. 
XXXX XXXX XXXX XXXX XXXX ** Despite previous attempts, inaccuracies remained, and I filed another dispute. 
- XXXX XXXX, XXXX : ** Another dispute was filed without resolution. 
- XXXX XXXX, XXXX : ** Most recently, I submitted a dispute, but the issues persist. 
The following accounts remains on my credit report reporting negatively. 
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 Despite my persistence, Experian has failed to correct the inaccuracies in my credit file or provide adequate responses to my disputes. These ongoing issues have caused significant harm to my financial well-being, including denial of credit, unfavorable loan terms, and other adverse consequences.

I recently became aware of the **CFPBs enforcement action against XXXX, in which they were sued for sham investigations of credit reporting errors. This lawsuit highlights XXXX systemic failure to properly investigate disputes and their practice of reinserting errors, directly threatening consumers ' access to credit, employment, and housing. These allegations align with my experience and further demonstrate XXXX disregard for FCRA requirements. 
I appreciate the CFPBs efforts to hold credit reporting agencies accountable and protect consumers like myself. I trust that your investigation will lead to a resolution of this matter and prevent further harm caused by XXXX practices.

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 2025-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
My identity was stolen during a recent data breach

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA ).

Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was under the unfair and deceptive, ad they did not comply with error resolution requirements Electronic Fund Transfer Act. ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-20 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 obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information of my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic such as failing to forward consumer-provided to evidence to furnishers, excepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to remove or amend the disputed accounts, Experian 's 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 m! 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 cause
d significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
account being opened without your consent, I Do Not have a Contract with COLUMBIA DEBT RECOVERY a credit inquiry made without your authorization, Never provided Consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I had purchased 3 items for a company called XXXX XXXX XXXX. I had purchased 2 purses and 1 shoe with a total of {$4700.00} on XXXX XX/XX/year>. 

I did not receive any of my orders. Company says it has been delivered but I had never received it. There are clear pictures that the package was left in the driveway of my residence and not at my doorstep. Package was left in the drive way in between 4 units. The residence has a main address and there are 3 other units each with their own door. The driveway is easily accessible to random trespassers. I asked neighbors around the area as well to see if they had seen any packages and they have not.

The company refunded me one item for {$360.00} via check. Other items were not refunded. 
Ive been left messaging the XXXX XXXX and my bank and nobody has any answers. I filed a complaint with the XXXX XXXX XXXX but now I feel like my bank is not doing their job to protect me against this consumer who has many complaints to similar business practice. 

I have all the proper documentation that I have described. I just dont know who else to ask or to turn too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
Im writing to formally express my concerns regarding Zelles handling in disputes, particularly in light of the recent CFPB 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 adequately. They informed me that recovering lost funds was impossible and that tracking these was unfeasible.The CFPBs findings indicate that Zelle has not only 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 2025-01-19 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 indicates that zelle has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns abut consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, who lived with me for 10 years, stole my identity during her stay. She made unauthorized copies of my Social Security card, drivers license, and birth certificate, then used them to open numerous accounts in my name without my permission. I am doing everything I can to resolve the financial mess she created, but her actions have left me with significant debt affecting my credit report. Ive filed a police report, but there is little else I can do as she is currently untraceable.

After extensive research on the best steps to take, I am filing this CFPB complaint to request that Equifax, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), block the fraudulent information on my credit report resulting from identity theft. This action must be completed within 4 business days of receiving this complaint, as required by the law. I have once again provided the relevant information about the affected account below : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these accounts or inquiries and did not authorize them. Due to the malicious actions of a former roommate, I am now left dealing with the impact of her fraudulent activities. These accounts/inquiries were not made or initiated by me and are the result of identity theft. I have included a copy of the FTC Identity Theft Criminal Complaint ( # XXXX ), along with several FTC Affidavits previously submitted to Equifax, as evidence from the U.S. Federal Trade Commission confirming that these accounts/inquiries are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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: AL

Complaint narrative:
I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Experian consistently responds within 24 hours stating that the account is accurate, they don't even provide any evidence of a thorough investigation. The practice violates the fair Credit Reporting Act ( FCRA ), 15 U.S.C. - 1681i, which mandates a reasonable investigation of disputes. CFPB has recently filed a lawsuit against Experian, alleging systemic issues 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 had neither corrected 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 Experian 's 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 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 want to file 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, which resulted in my account being shut down without my knowledge or any help to remedy the situation. Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electric 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