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: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
I used zelle to make money transfers and unfortunately I ended up with a negative bank account that was closed due to a negative account balance of {$1000.00} us dollars!

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: MS

Complaint narrative:
I am writing to formally voice my concerns about Zelle 's dispute resolution process, especially in light of the recent CFPB lawsuit that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my financial institution sufficiently looked into my claims. They told me that it was impossible to follow these transactions and to recover loss funds. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud. This lack of transparency and accountability is intolerable and poses major risks to consumer 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: Block, Inc.
State: AR

Complaint narrative:
This letter constitutes a formal complaint against Cash App, operated by Block , Inc., alleging repeated instances of unauthorized transactions, inadequate fraud protection measures, and failure to properly address customer service inquiries regarding fraudulent charges on my Cash App account, resulting in significant financial losses. 

Despite promptly reporting these fraudulent transactions to Cash App customer support, my attempts to recover the funds were met with delays, inadequate investigation, and ultimately, denial of my claim. 

Repeated attempts to contact Cash App customer service regarding these fraudulent charges were met with long wait times, unhelpful responses, and a lack of clear resolution pathways. 

In light of the above, I demand that Cash App immediately take the following actions : Full reimbursement of the unauthorized charges totaling [ {$1400.00} ]. 
A comprehensive review of my account security and appropriate compensation for any future damages resulting from inadequate fraud protection measures. 
A detailed explanation of the steps taken to investigate and address my complaints regarding the unauthorized transactions.

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: AR

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate Consumer Financial Protection Act ( CFPB ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with era and resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I am filing a complaint against a list of debt collection agencies that are reporting negative information on my personal credit reports. The following companies listed do not have a debt collection license in the state of South Carolina, according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
-Columbia Debt Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed a complaint with the South Carolina State Attorney Generals office already, since the credit bureaus are being sued and can not be trusted. I demand a legitimate answer from these companies as to : -why they illegally obtained my personal information without my consent? 
-why said debt collection agency isnt listed on the nmlsconsumeraccess.org website as having a debt collection license to collect debt in my state? 
-why havent I been provided with a thorough explanation of the investigation process that validated this debt is mine? 
-why said debt collection agency feels comfortable violating federal laws, just to try to scam consumers, like myself, out of their hard earned money? 
-if the information is validated, why is the spelling of my name different than whats on my state drivers license? 
-what information is being verified and what system are these debt collectors comparing information with, because the information on each of my individual credit reports are different

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name, address, is not correct not even my name. 
Second I have numerous inquiries on my account I have charge offs in my account I did not make. 
I have reached out several times and all my disputes was denied. I want all the money owed to me due to my information being leaked in the data breach, my credit has suffered due to this, XXXX has violated my rights

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation, This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C S {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
Hi ive been using cash app for years despite them taking peoples money & I was aware of that I didnt believe it nor did I think itll happen to me the amount of times it did. XX/XX/XXXX I tried to transfer money from my cash app account to my banks check account the transfer completed but the money never reached my account I was confused because my bank was fine they wouldnt take the money so meaning it was never transferred I then contacted what I thought was a live agent for cash app & it was a bot, they sent me XXXX cents for the inconvenience of my transfer not going through but that was XXXX dollars I was trying to transfer. On XX/XX/XXXX the same thing I tried to cash out XXXX dollars to my bank and it completely took it again & at that point I was over cash app. This has happened to my mom back in XXXX XXXX dollars cleared just disappeared from her cash app when she contacted what she thought was a live agent all it said was theyll handle the situation within 3-5 business days but they never did. This is ridiculous & its so frustrating when you cant speak to a live agent or someone over the phone. Look forward to speaking with someone soon. Thank you.

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: IN

Complaint narrative:
account. 
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: Block, Inc.
State: IL

Complaint narrative:
CashApp did not have live agents to help customers with their issues, and they lied about having numbers for customers to call.

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:
Im 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 dec geptive, 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: TX

Complaint narrative:
Dear CFPB, I am writing to file a complaint against Cash App ( Block , Inc. ) as I have been experiencing significant issues regarding their customer support and billing practices. 

Unresolved Refund Request : I requested a refund over a week ago, but the issue remains unresolved. Despite my repeated attempts to contact customer support, I have not received any meaningful response or resolution. The refund is still pending, and I am unable to access my funds. 
Recurring Unauthorized Charges : Every month, my account is charged for a subscription or service that I am not enrolled in or have not authorized. These charges are unjustified and have caused financial inconvenience. 
Delayed Refund Process : When I dispute these charges, it takes an unreasonable amount of time for the funds to be returned to my account, leaving me financially strained and frustrated. 
I have attempted to resolve these issues directly with [ Company Name ] through their customer service channels, but their lack of responsiveness has left me no choice but to escalate the matter. 

I kindly request that the CFPB intervene to ensure that : My pending refund is processed promptly. 
The unauthorized recurring charges are permanently stopped. 
Any additional penalties or compensations be applied if necessary. 
Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to support my claim.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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

Complaint narrative:
I am expressing my issue regarding Cashapps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using CASHAPP numerous times and reporting discrepancies, CASHAPP 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 Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. Below I will list the numerous transactions Ive had issues with and have rises concerns about. 
XXXX XXXX {$190.00} XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX {$410.00} XXXX {$71.00} XXXX XXXX {$17.00} XXXX XXXX {$19.00} And these are just within 5 months I could go on and on about the lack of urgency in this matter and cashapp by square complete dismissal

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: OK

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

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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX To Whom It May Concern, I am writing to formally file a complaint against Capital One Bank regarding a delay in processing my direct deposit. Beginning on XX/XX/year>, Capital One announced a technical disruption affecting direct deposits and other electronic transactions. While I understand that such issues may occur, the lack of transparency, resolution, and communication has caused significant financial harm. 

As of today, my direct deposit has not been credited to my account, resulting in the following impacts : I have been unable to make my insurance payment, risking potential cancellation of my coverage. 
I have missed my credit card payment, which may result in late fees and damage to my credit score. 
I have been unable to meet other financial obligations, causing significant stress and inconvenience. 

Despite contacting Capital One, I have not received a satisfactory explanation or timeline for when my deposit will be processed. Their generic notification about the disruption fails to address my individual situation or the severe consequences I am facing.

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: Wrong amount charged or received — 
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I am filing a complaint against SoFi banking ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Sofi 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 help about the situation I sent my money from XXXX XXXX it to Sofi banking Ive been doing it since XXXX. They said theyre gon na close my account and they did not close my account holding restrictions on the money that I work hard for I know this is against the law. I filed a complaint on them. This happened XX/XX/XXXX. They have yet to send my money back to the original sender, which is me and theyre holding my account open claiming that theyre gon na close it with XXXX something dollars and they wont give it back. I need somebody to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of 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 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: CT

Complaint narrative:
Im writing to express my concerns regarding Zelles handling of disputes in light of the most recent CFPB lawsuit. Despite using Zelle on numerous occasions and reporting discrepancies, my financial institution and Zelle failed to investigate my claims expeditiously. Theyve informed me that recovering lost and tracking transactions were impossible. The CFPBs findings show that Zelle has not only neglect to protect customers but also allowed repeat offenders to exploit the system, leaving users like me vulnerable to scams. This lack of accountability and transparency is totally unacceptable and raises serious concerns about consumer protection.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has not did due-diligence to re-investigate my credit profile. 
Experian has allowed " XXXXXXXX XXXX XXXX XXXX access to my credit profile on multiple occasions without my consent and knowledge on dates listed below XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Also XXXX XXXX XXXXXXXX was allowed to access my credit profile without my knowledge or consent on XX/XX/XXXX. 
Ive also attached an screenshot of Experian saying applied bank account # XXXX verified an address that Ive never lived at which was XXXX XXXX XXXX XXXX XXXX. Its either the company is lying about my account or experian didn't do a proper re-investigation on my credit profile which took more than 45 days to respond.

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: Early Warning Services, LLC
State: NY

Complaint narrative:
scams can likely occur doesnt. give a lot of options to refund. zelle does not look into their claim with lost funds.

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

Complaint narrative:
I am filling a complaint against cashapp ( block.inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act ( CFPA ) specifically, cashapp had failed to make timely and effective measures to prevent and address fraud on the platform, leaving my account vulnerable and unprotected furthermore there dispute resolution processe was unfair and deceptive, as they did not comply with errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violation

Company response to consumer: Closed with explanation