vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filling a complaint against Cash App ( block, Inc. ) due to inadequate costumer 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 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: 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 these violations!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have disputed several things on my credit report due to not mine and inaccurate information.

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: GA

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. 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 the scam

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: FL

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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I am writing to request a correction of the following information that appears on my XXXX, XXXX, and TransUnion credit reports. 

Dispute 1 Account Number or other information to identify account : XXXX - XX/XX/XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 2 Account Number or other information to identify account : XXXX XXXX XXXX XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 3 Account Number or other information to identify account : XXXX XXXX, XXXX XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 4 Account Number or other information to identify account : XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item 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 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 — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I am writing to request a correction of the following information that appears on my XXXX, Equifax, and XXXX credit reports. 

Dispute 1 Account Number or other information to identify account : XXXX - XX/XX/XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

Dispute 2 Account Number or other information to identify account : XXXX XXXX XXXX XXXX XXXX XXXX with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize the inquiry on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 3 Account Number or other information to identify account : XXXX XXXX, XXXX XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately. 

Dispute 4 Account Number or other information to identify account : XXXX Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I have included a copy of my complaint with the https : //www.identitytheft.gov/ I did not recognize and authorize this pull and the federal Fair Credit Reporting Act ( FCRA ) strictly limits who can access your credit report without consent. Please remove this item from my credit report immediately.

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: SC

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 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

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 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: IL

Complaint narrative:
I am 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance {$0.00} SEQUIUM ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XX/XX/year> XXXX ACCEPT XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>

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

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

Complaint narrative:
My info was compromised and over XXXX was spent out of my account. I closed the card filed a fraud claim and was given temporary credit. Then also the temporary credit was refunded due to the investigation being denied and closed and I appealed the denial and was denied again. I also had a payment disputed by a team member of navy federal that wasnt supposed to Be and the loan company sent the money back. The funds were never located untill after the account was now negative due to the previous dispute temporary credit being reversed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
To Whom It May Concern, I am writing to formally file a complaint against Cash App for failing to adhere to federal regulations governing the handling of consumer disputes and fraud-related transactions. Specifically, I believe Cash App has violated provisions outlined in the Electronic Fund Transfer Act ( EFTA ) and its implementing Regulation E.

In 2024, I noticed unauthorized transactions on my Cash App account. I promptly reported these transactions to Cash App and requested a dispute investigation. However, the company has failed to comply with the following regulatory requirements : XXXX. Timely Investigation and Resolution ( 12 CFR 1005.11 ) : According to Regulation E, financial institutions are required to investigate and resolve consumer disputes within XXXX business days ( or XXXX business days for new accounts ). If more time is needed, a provisional credit must be issued within this period while the investigation continues. Cash App has not provided any provisional credit, nor have they resolved the dispute within the required timeframe. 
XXXX. Notification of Investigation Results ( 12 CFR 1005.11 ( d ) ) : Regulation E mandates that consumers be informed of the results of the investigation and any corrective actions taken. Cash App has failed to provide me with any written explanation or notification regarding the status or outcome of my dispute. 
XXXX. Reversal of Unauthorized Transactions ( 12 CFR 1005.6 ) : Under Regulation E, consumers are protected from liability for unauthorized transactions if reported promptly. Despite my timely report, Cash App has not taken any steps to reverse or credit the unauthorized charges. 

The lack of compliance with these critical consumer protections has caused significant financial distress and inconvenience. I am seeking the Consumer Financial Protection Bureaus intervention to ensure Cash App complies with all applicable regulations, provides the necessary resolution to my dispute, and compensates for any resulting financial harm. I have lost XXXX in damages due to this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of my complaint. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Never removed the following item that was disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
I am writing to formally raise a concern regarding discrepancies I have found on my recent credit report. After being denied an apartment application due to my credit score, I decided to review my credit report for the first time ever. To my surprise, I discovered several accounts that I was not aware of and had no knowledge of opening. 

Specifically, I found the following issues : Car Loan : A car loan that ended in repossession after nearly a year of late payments. I was never informed that I had an outstanding balance on this loan, and I do not recall agreeing to any such loan. This account appears to be inaccurately affecting my credit score. 
XXXX Credit Card : A credit card account with XXXX that carries an outstanding balance of over {$2500.00}. Again, I have no recollection of ever opening this account, nor was I notified of any payments due or overdue balances. 
These accounts appear to be fraudulent, or at the very least, unrecognized by me, and they have had a severe impact on my creditworthiness. I kindly request that you thoroughly investigate these discrepancies and remove or correct any inaccurate information from my credit file. 

As this issue has caused significant distress and hindered my ability to secure housing, I ask that this matter be addressed promptly. Please provide written confirmation of your investigation into these accounts, as well as any supporting documentation related to their origination, payments, and status. 

I appreciate your prompt attention to this matter and look forward to your swift response. Should you require any additional information from me, please do not hesitate to reach out. 

Thank you for your time and 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 service problem — 
Company: Block, Inc.
State: MS

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. 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