vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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 cash app ( Block Inc. ) due to inadequate customer service 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 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
My account keeps getting charged from unknown purchaser I wouldnt by from .so I would try to contact cash app through customer service and would have to wait a long time to get a response instead of my refund and then they would ask to change my cash app card to further secure my account but then they would same problem would occur again and then they would ask to repeat the same process again Im tired of cash app take random unknown purchases and just want my hard earned money back, please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

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 2025-01-17 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: NC

Complaint narrative:
This letter is to inform you that I have recently received a copy of my credit report and found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send copies of the documents that you have in your files as of this date that used to verify the accuracy of the accounts listed below. 





Account Name : XXXXXXXX XXXX XXXX Amount : {$6700.00} Account # : XXXX Dispute Reasons : Inaccurate date of last activity please explain your method of validation and provide information on who and how this account was verified as accurate Dispute Instructions : Please delete immediately Account Name : XXXXXXXX XXXX XXXX Amount : {$110.00} Account # : Dispute Reasons : Inaccurate date of last activity please explain your method of validation and provide information on who and how this account was verified as accurate Dispute Instructions : Please delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Background : Since XXXX, you have been fighting to resolve issues with Experian after experiencing identity fraud during the XXXX pandemic. This has been an ongoing struggle for nearly five years. 


Documentation : You have proactively sent documentation to Experian supporting your claims of identity fraud. This includes evidence of fraudulent activities that are linked to your credit report. 


Lack of Investigation : Despite your efforts and the submission of relevant documents, Experian has failed to investigate your allegations adequately. This lack of action has contributed to ongoing issues with your credit report. 

Disputed Items : You are specifically looking to have certain items reinstated or removed from your credit report, arguing that they are fraudulent and not tied to your identity. The persistence of these items has negatively impacted your credit score and financial opportunities. 


Resolution Seeking : You have been actively trying to resolve these disputes with Experian and seek reinstatement of your true creditworthiness, emphasizing the need for a fair evaluation of your claims. 


This ongoing battle underscores your frustrations and the need for Experian to take accountability in investigating and rectifying the issues related to your identity fraud claims.

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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

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 financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Zelle scammed me, and their outright refusal to return my money is infuriating, leaving me both financially and emotionally distressed. I trusted their platform to facilitate a safe and secure transaction, but that trust was completely betrayed. I used Zelle to send money for what I believed was a legitimate transaction, only to discover shortly afterward that I had been defrauded. Realizing the scam, I immediately contacted Zelle and my bank to report the incident, providing detailed evidence, including screenshots, timestamps, and any relevant communication. However, XXXX response was dismissive and frustratingthey hid behind their policy that all transactions are instant and irreversible, effectively washing their hands of any responsibility. This stance feels like a blatant violation of consumer protection laws, particularly those outlined in the Electronic Fund Transfer Act ( EFTA ), which was designed to safeguard consumers against unauthorized or fraudulent electronic transactions. Despite this federal legislation, Zelle appears to prioritize protecting fraudsters rather than offering even basic protections for honest customers like me. 

I also cited relevant state consumer protection laws that emphasize transparency and the need for fair business practices, but my concerns were ignored. By enabling scammers to exploit their platform with impunity, Zelle is failing its customers and neglecting its moral and legal obligations. Its deeply troubling that Zelle, owned by major financial institutions, would knowingly operate a system so vulnerable to fraud while taking no meaningful steps to mitigate the risk or assist victims. Their claim of valuing customer security is completely undermined by their refusal to intervene or even investigate this clear case of fraud. This experience has left me not only out of pocket but also disillusioned about the integrity of a company that millions of people rely on daily. Consumers deserve better protections and accountability from financial platforms, and I believe XXXX practices should be closely XXXX  for compliance with both federal and state laws. I want to raise awareness about this issue so others dont fall into the same trap and are better equipped to protect themselves from XXXX apparent disregard for consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: PA

Complaint narrative:
I have tried to resolve this matter with Experian numerous times please see the attached statement

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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to bring to your attention an issue regarding my credit report. XXXX XXXX XXXX has mistakenly reported XXXX late payments on my account ( Account Number : XXXX ) for the months of XXXX, XXXX, and XX/XX/year>2022. 

I have already disputed these inaccuracies multiple times. While XXXX has correctly updated my report to remove these late payments, both Experian and XXXX have failed to reflect these corrections. This discrepancy continues to affect my credit score and financial standing. 

These late payments are inaccurate, as I have maintained timely payments on this account. I kindly request that Experian and XXXX conduct a thorough investigation into this matter and promptly update my credit report to reflect the correct payment history. 

I appreciate your prompt attention to resolving this issue. Please confirm receipt of this request and provide an update on the status of the correction as soon as possible.

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 2025-01-17 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 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
XXXX using Block Inc ( cash app ) XXXX $ was sent for fertilizer purchase that was never delivered. I contacted cash app via email because they had no agents. The matter was never investigated or resolved. 


XXXX Using Block Inc ( cash app ) XXXX $ was sent for engine purchase that was never delivered. I contacted cash app via the message center. No investigation no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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 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 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 2025-01-17 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: NC

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: MD

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. 2025-CFPB-0002 ) 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. 

I am submitting the following accounts that are marked as inaccurate : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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 g 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 ( 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 2025-01-17 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 insufficient customer service and unfair, which violates the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to take the timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. There has been multiple times where my card has been charged for packages I never received but could never be refunded and I thought I was FDIC insured Up to XXXX. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have a Capital One bank account. My direct deposit is normally processed Thursday morning or Friday morning. They are currently experiencing an outage, and they are approaching day 3 of the outage.

I have mandatory bills, not just the normal food, groceries, gas but also court payments things that have devastating legal consequences that I can now not take care of because they have been down for DAYS.

I feel absolutely abandoned by this country. First Capital One steals everyone 's interest payments and now they just refuse to handle the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: AL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-01-17 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:
3. 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 redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one bank is experiencing an outage since Wednesday XX/XX/year> processing payroll direct deposits and banking account information. Capital one did not immediately provide an explanation or resolution timeline. Capital one sent out a message to consumers late in the day on XX/XX/year> stating services will be restored on the morning of XX/XX/year>. Services are still not restored and capital one is offering little or no explanation on when funds will be available in accounts. Meanwhile, consumers are left in crisis with no incoming funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: WI

Complaint narrative:
I called today XX/XX/XXXX. I never received anything in the mail about debit from collector or XXXX XXXX . Ive had 1 account for the past 10* years and I always pay my monthly bill as its deducted out of my account automatically. This was a debit from XXXXXXXX XXXX XXXXXXXX in the amount of XXXX dollars. XXXX  nor Sequium Asset Solutions can tell me anything about this debt. Theres no way this debt was caused by me. Theres got to be some other address associated with this debt, that is not mine.

Company response to consumer: Closed with non-monetary relief