vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Reporting company used your report improperly
Company: LEXISNEXIS
State: WI

Complaint narrative:
The attached letter serves as a formal demand to LexisNexis Risk Solutions XXXX regarding repeated violations of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws related to the inaccurate reporting of bankruptcy Case # XXXX. Despite multiple prior disputes submitted to LexisNexis, the XXXX major credit bureaus, and the Consumer Financial Protection Bureau ( CFPB ), you have failed to address the validity of this record and the legality of its dissemination. It is critical to note the following key violations : 1.Source of Information : The negative information pertaining to Case # XXXX was not directly reported or confirmed by the XXXX Bankruptcy Court , which is the sole authorized source of such records. Instead, LexisNexis relied on secondary sources such as PACER without proper verification of the informations accuracy or legitimacy.

2.Failure to Provide Notice : No pre-placement or post-placement notice regarding the reporting of this negative information was provided to me, as required under FCRA 1681i ( a ) ( 6 ) and related provisions. Per FCRA, consumer reporting agencies must notify consumers both before and after furnishing negative information to their credit reports, yet this did not occur. 
3.Breach of Security Freeze : A security freeze has been in place on my LexisNexis file XXXX prevent unauthorized access or dissemination of my information. Despite this, LexisNexis negligently transmitted my private data, including the bankruptcy record, to the nationwide credit reporting agencies in clear violation of my rights under FCRA 1681c-XXXX. The repeated mishandling of this matter has caused significant harm to my financial standing and reputation, including the continued degradation of my credit profile and missed opportunities with potential creditors. This demonstrates not only negligence on the part of LexisNexis but also a flagrant disregard for federal consumer protection laws.

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: 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 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. 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: 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 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. 

XXXX XXXX

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: CA

Complaint narrative:
Capital One bank has failed to deposit my direct deposit from my employer. Capital one cited technical issues which may be in violation of the electronic funds transfer act ( EFTA ) as it requires timely access to 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: IL

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: LA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposits from my employers and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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: NY

Complaint narrative:
I did not received my direct deposit from my employer. XX/XX/XXXX is my payday, however, i normally received it XXXX days earlier. I did not receive it earlier this time around. Received an email from capital one on XX/XX/XXXX at XXXX saying there was " technical difficulties '' and that they hope to resolve by Friday morning- XX/XX/XXXX. It is now friday evening and have not been able to get in touch with them, no further communication and still no direct deposit. It is also a holiday weekend and now i am afraid i won't receive my funds until after the holiday next week.

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 violates the Customer 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 see 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: FL

Complaint narrative:
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 XXXX 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.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding 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.

5536 ( 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My credit means a lot to me, and Im really worried about the mistakes on my credit report. These inaccuracies super stressful to my mind and theyre affecting my ability to secure new credit. Ive worked hard to build my credit and its just frustrating to see it impacted by errors that arent even my fault. I'm just really worried but all I can do right now is hope.

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: TX

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, on XX/XX/year>, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. As such, my account was used by an unknown user - showing frequent sales transactions and transfers to a bitcoin account. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( ETFA ) 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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
There have been several accounts on my credit report that Ive disputed over the past XXXX years that Equifax failed to investigate properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Zelle sent money without my permission several times after I declined a transaction and my bank could not refund me back the money and that resulted in me not be able to make my XXXX XXXX  it coused trauma towards my family and my financial situation and I wanted to file an complaint and XXXX XXXX did the same thing with a fraudulent complaint on an account I had for 5 years and it never happened they all are fraudulent companies that pray on the weak we dont have money to waist or throw away

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:
XXXX writing to formally express my concerns regarding Zelle XXXX 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. 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. 
This lack of accountability and transparency is unacceptable and raises serious concerns

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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
Third party company that caused XXXX XXXX, my bank, not to process my payroll deposit on XXXX XX/XX/year>.

Company public response: Company can't verify or dispute the facts in the complaint
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 filing complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer 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 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 see 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:
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.

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

Complaint narrative:
I am filing a complaint against capital one for failure to deposit my direct deposit from my employer. Capital one has sited technical issues which may violate the electronic funds transfer act. I request assistance in investigating this matter.

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: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
We were involved in a scam through XXXX XXXX, and a purported XXXX XXXX representative that assured us he was reversing a myriad of unauthorized crypto transactions on our XXXX debit card via PayPal. When we realized we were being played, we contacted XXXX on XXXX XXXX a fraud case was opened. On XXXX XXXX determined it was fraud and returned {$4100.00} to our checking account. Right after that we started receiving texts from PayPal to sign into our account, which we did and it showed we now had a negative balance of {$4200.00}. The amount they had returned to XXXX was now the negative balance on our PayPal. Right after that I called PayPal and spoke with a XXXX, explaining the situation XXXXnd filing a complaint. I was told I would hear back from them within two weeks or so. To date, we have not received a response. After repeated texts from PayPal and phone calls from their collection company, demanding reimbursement of the money they had refunded XXXX, we called their dispute dept on XXXX XXXX talked to a XXXX about the issue. She could find no notation about XXXX report or findings. We were told that PayPal was questioning whether XXXX credited us back twice, and if so, we did owe the balance.they claimed due. She said to send our bank statement showing the credits to our account. Obviously, after being scammed, we were nervous about sending our statement XXXX the advise from the XXXX fraud division lawyer was to not send our XXXX statements to PayPal. The collection phone calls resumed. We then called PayPal again on XXXX. We spoke with a XXXX in the dispute department. I asked her for XXXX report, XXXX she too found nothing, XXXX repeated that our XXXX statement would trigger a reinvestigation of the case. We stated our reluctance, offered them the XXXX case number and contact, and asked her to contact them for that information. She declined.

We are very frustrated, and not sure what to do next. Should we send them a blacked out copy or our statement? When we asked for a direct email address to send information, we were told there is none. We finally got a mailing address to mail the bank statement to, but at this point with so many questions still unanswered, we are not comfortable doing that. There was no duplicate credits to us and the scammer is the only one that profited from this mess. We are so annoyed and frustrated at this point, hence the complaint. We call, we dont get answers to our questions or explanations, at times it felt like we were talking to a brick wall, a polite brick wall, but still a wall!

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: NJ

Complaint narrative:
I am filling a complain 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dealing with late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian account ( same ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW UNDER 15 USC 1681B PERMISSBLE PURPOSE OF A CONSUMER REPORT THE LAW CLEARLY STATES IN GENERAL SUBJECT TO SUBSECTION C ANY CONSUMER REPORTING AGENCY MAY REPORT FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER IN ACCORDANCE WITH WRITTEN INSTRUCTION TO FURNISH THIS THIS ACCOUNT ON MY CREDIT REPORT FURTHERMORE THE FAIR CREDIT REPORTING ACT 15 USC 1681 2A1 UNDER THE EXCLUSIONS SECTION FROM A CONSUMER CREDIT REPORT CLEARLY STATE EXCEPT AS PROVIDED IN PARAGRAPH 3 THE TERM CONSUMER REPORT DOES NOT INCLUDE SUBJECT TO SUBJECTION XXXX OF THIS TITLE REPORT CONTAINING INFORMATION SOLELY AS A TRANSACTION OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT TRANSACTION DELETE THESE LATE PAYMENTS FROM MY CREDIT REPORTS/ ACCOUNTS FAILURE TO DELETE OR RESPOND WILL END IN SUEING UNDER 15 USC 1681N

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

Complaint narrative:
On Wednesday XX/XX/year> my direct deposit was not in the bank. It's always there Wednesday night. Well Thursday XX/XX/year> still no deposit. I call the bank and waited and waited and was told that they didn't see a deposit. I called my employer and they verified they made the deposit. Well nothing all day Thursday and again today, Friday XX/XX/year> still no deposit and now they won't even answer the phones and give an explanation, just a generic message on the app of technical difficulties. I live paycheck to paycheck and this is disgusting and appalling. I need something done about this. I have checks out in my name and bills that are coming through and being returned. My direct deposit is almost {$1000.00}.

Company response to consumer: Closed with explanation