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: KY

Complaint narrative:
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 10 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: Fraud or scam — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I sent money to a phone number and it was wrong my one mumber and they could not provide me with my refund to send to the correct number!

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'm filing this claim against Cashapp ( block in ) due to inadequate customer service and unfair practice which violence the consumer financial protection Act ( CFPA ) specifically cashapp failed to take timely and effiective to prevent address fraud on their platforms 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 regulations E and i seek appropriate redress these issue

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to request your assistance in resolving a credit dispute that I initiated with the three major credit reporting agenciesTransUnion, XXXX, and XXXX XX/XX/year>. To date, I have not received a response from any of the agencies despite following up via email. 

The issue involves an incorrect late payment inquiry reflected in my credit report for the month of XX/XX/year>. This late payment was not accurate, as the actual overdue payment occurred in XX/XX/year>. I addressed this matter directly with my bank, and they confirmed the discrepancy. The bank also sent a correction letter to the credit reporting agencies, but no action has been taken, nor have I received any confirmation of resolution. 

I kindly ask for your intervention in this matter to ensure the late payment inquiry for May is removed from my credit report, as it is causing undue harm to my credit profile. I have attached the following supporting documents for your review : 1. A copy of the banks correction letter.

2. Proof of my dispute submission to the credit bureaus on XX/XX/year>. 
3. Any other relevant correspondence or documentation.

Please let me know if additional information is required. I trust that the CFPB can assist in ensuring this matter is resolved promptly and fairly. 

Thank you for your time and attention to this matter. I look forward to your response.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to request your assistance in resolving a credit dispute that I initiated with the three major credit reporting agenciesTransUnion, XXXX, and XXXX XX/XX/year>. To date, I have not received a response from any of the agencies despite following up via email. 

The issue involves an incorrect late payment inquiry reflected in my credit report for the month of XX/XX/year>. This late payment was not accurate, as the actual overdue payment occurred in XX/XX/year>. I addressed this matter directly with my bank, and they confirmed the discrepancy. The bank also sent a correction letter to the credit reporting agencies, but no action has been taken, nor have I received any confirmation of resolution. 

I kindly ask for your intervention in this matter to ensure the late payment inquiry for May is removed from my credit report, as it is causing undue harm to my credit profile. I have attached the following supporting documents for your review : 1. A copy of the banks correction letter. 
2. Proof of my dispute submission to the credit bureaus on XX/XX/year>. 
3. Any other relevant correspondence or documentation. 

Please let me know if additional information is required. I trust that the CFPB can assist in ensuring this matter is resolved promptly and fairly. 

Thank you for your time and attention to this matter. I look forward to your 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to request your assistance in resolving a credit dispute that I initiated with the three major credit reporting agenciesXXXX, Experian, and XXXX XX/XX/2024. To date, I have not received a response from any of the agencies despite following up via email. 

The issue involves an incorrect late payment inquiry reflected in my credit report for the month of XX/XX/2024. This late payment was not accurate, as the actual overdue payment occurred in XX/XX/2024. I addressed this matter directly with my bank, and they confirmed the discrepancy. The bank also sent a correction letter to the credit reporting agencies, but no action has been taken, nor have I received any confirmation of resolution. 

I kindly ask for your intervention in this matter to ensure the late payment inquiry for

XXXX  is removed from my credit report, as it is causing undue harm to my credit profile. I have attached the following supporting documents for your review : 1. A copy of the banks correction letter. 2. Proof of m
y dispute submission to the credit bureaus on XX/XX/2024. 
3. Any other relevant correspondence or documentation. 

Please let me know if additional information is required. I trust that the CFPB can assist in ensuring this matter is resolved promptly and fairly. 

Thank you for your time and attention to this matter. I look forward to your response.

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: IL

Complaint narrative:
I am writing to formally express my concerns XXXX 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 claimed adequately. They informed me that recording lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and raise serious concerns about customer 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: GA

Complaint narrative:
Iam filing a complaint against cashapp ( Block inc. ) due to inadequate customer service and unfair practices. Which violate the consumer protection financial act. Cash app failed to take timely and effective measures to prevent fraud on their app just left my account vulnerable to attack Furthermore, when I talk to him about this, their dispute process was unfair and deceptive. They took my information and did nothing with it except sell it on the black market. This is caused me severe financial loss.

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: WI

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.

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:
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 findings indicate that Zelle has not only neglected to protect consumers but 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.

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:
I am writing to express my dissatisfaction with the Zelle service and to formally request immediate resolution to the issue I have encountered. There was a recent unauthorized transaction on my account. Despite multiple attempts to contact customer support, I have yet to receive a satisfactory resolution. This issue has caused financial inconvenience which is both frustrating and unacceptable. I trusted Zelle to provide a seamless and secure payment experience, but my experience has been far from that.

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: TX

Complaint narrative:
you and your account. 
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: WI

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 protecting act ( CFPA ) specifically cash app failed to take timely and efficient 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 era resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions has 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 proces : 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$850.00} Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Chargeoff XX/XX/XXXX XXXX Opened : XX/XX/XXXX Balance : {$1200.00} Chargeoff Inquiries XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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

Complaint narrative:
I am writing to express my concern regarding Zelles handling of disputes, particularly in light of recent CFPBs lawsuit highlighting significant issues with the platform, Despite using zelle multiple times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds was impossible and tracking these transactions infeasible the cfpb findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system scamming others multiple times. The lack of accountability and transparency is unacceptable raises questions about this institutions ability to keep consumers safe

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I attaching proof that XXXX has admitted that i was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.

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:
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: Early Warning Services, LLC
State: OH

Complaint narrative:
I am writing to express my concerns pertaining Zelles handling of disputes, related to the light of the recent CFPB lawsuit highlighting important issues with this platform. Despite using Zelle on multiple occasions and reporting the discrepancies, my financial institutions and Zelle failed to investigate my claims in the appropriate manner. They informed me that recovering these funds were impossible and tracking these funds were unfeasible. The CFPBs findings suggest that Zelle has not only neglected to protect their users but also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams. During my time of using Zelle since XXXX I have not received over {$400.00} in funds, sent {$300.00} that were not received by the recipients in an adequate time, and reported {$780.00} to fraud users to buy goods up until the year of XXXX.

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

Complaint narrative:
XX/XX/XXXX at XXXX i bought a XXXX $ jacket never received and never got money back

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

Complaint narrative:
I get paid on wednesday i contacted capital one to discuss when my check would enter my account and they had no answers for me. I contacted them friday and they still didnt have a answer for 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: 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 reckoning lost funds was impossible and tracking these transactions was unfeasible. The CFPBs funding 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