vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MS

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: AL

Complaint narrative:
when i first downloaded cashapp in XXXX of XXXX, they sent me a card that would always decline in every store no matter how much money i had on it. i had to reorder 4 cards to fix this. then they got to where they started blocking payments that my mom would send me. then it got to where they wanted me to pay XXXX XXXXXXXX {$20.00} just so i could get the money my mom would send me. then in XXXX or XXXX of XXXX, my cousins boyfriend had went on my cashapp and stole money from me and cashapp wouldnt do anything about it.

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: TX

Complaint narrative:
Missing my company direct deposit to CapitalOne back on XXXX Friday still. It is supposed to be in my checking account on Thursday earlier morning.

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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to file a complaint against Capital One Bank regarding the withholding of my funds. I was scheduled to receive funds on Thursday, XX/XX/2025. However, as of today, Friday, XX/XX/2025, the funds have not been credited to my account, and I have received no updates from the bank explaining the delay or providing a resolution timeframe. 

This delay has caused significant financial inconvenience. I had scheduled a credit card payment based on the expectation that my funds would be deposited on time. Due to the delay, the payment was returned, and my credit card account overdrafted. This has impacted my credit and caused unnecessary stress. 

I have attempted to resolve this issue with Capital One directly, but no clear resolution or explanation has been provided. I am seeking assistance in obtaining the withheld funds and addressing any fees or negative credit impacts resulting from this issue. 

Thank you for your attention to this matter.

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 cashapp ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial Protection Act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
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: Early Warning Services, LLC
State: IL

Complaint narrative:
Im writing to formally express 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 lost funds was impossible and that tracking these transactions were infeasible. The CFPBS findings indicates 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 2025-01-17 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:
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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Formal Complaint : Equifax Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding Equifaxs failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of XXXX XXXX I have exercised my rights under this law to request the blocking of adverse information on my Equifax credit file. Despite my repeated attempts and submission of all required documentation, Equifax has failed to honor my request. 

I have provided Equifax with the following : A self-attestation letter signed by myself and an authorized XXXX from an authorized agency. 
A victim determination letter co-signed by myself and the authorized agency. 

These documents have been submitted XXXX to XXXX times. While XXXX has accepted the same documentation and blocked the adverse information in compliance with XXXX XXXX, Equifax has not done so, causing inconsistencies across my credit reports. 

Equifax has repeatedly sent me the same form letters in response to my submissions, offering no meaningful human review or clarification of their denial. Additionally, Equifax has claimed that the victim determination letter I provided does not qualify under their standards, but they have not specified why. Furthermore, they have claimed that Ohio Job and Family Services is not a recognized or acceptable agency for signing my self-attestation letter, yet they have failed to provide a list of agencies they deem acceptable. 

I am therefore requesting the CFPB to : XXXX. Investigate the methods and tools Equifax uses to deny requests to block adverse information and require that my submissions receive a full human review. 
XXXX. Request a sample of an acceptable victim determination letter under XXXX standards so that I can ensure compliance with their specific requirements. 
XXXX. Require Equifax to provide a list of agencies in Ohio that they recognize as authorized to sign off on self-attestation letters, given their rejection of Ohio Job and Family Services. 

As a XXXX survivor, I have followed all required steps and provided all documentation mandated by Section 605C. Equifaxs continued failure to honor my request not only violates my rights but also prolongs the harm caused by adverse information that should be removed from my credit file. I respectfully ask the CFPB to act on my behalf to ensure Equifaxs compliance with the FCRA. Also In violation, Equifax claim my dispute to block adverse information on my credit report was denied because I didnt respond to their Second attempt to provide documentation even though Ive tried 3-4 times with the CFPB Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IA

Complaint narrative:
In XX/XX/year>2022 I made purchases like many others do on live sales on a XXXX group. The guy didnt want to update me with a tracking number so I contacted cash app to alert them and he was using his sons name instead of his on their app and that was the first red flag. They told me to wait and see if my products showed up basically and they never did I received an empty box not secured enough to ship anything in and I asked for a full refund and they refused to give me a number to talk to someone, and just told me not to by from strangers. I told them that they were aiding these scammers and they could ban his account to prevent further damage to others. They wouldnt he ended up getting kicked out of the XXXX group for doing the same thing to a lot of other people and the people who complained he would simply block them and I didnt say anything because I realized that and watched his other lives, I started contacting other people affected and they said the same thing or wouldnt respond. But cash app refused to help get my money back and was an immediate dead trying to talk to the online assistant. There solution was to basically learn from that situation and accept the loss of money

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 for these violates.

Thank you for your time..

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: TX

Complaint narrative:
I am a victim of Equifax data breach and Identity Theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please see attached FTC reports and other relevant documents.

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: 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 Protection Act ( CFPA )

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: NC

Complaint narrative:
I am filling a complaint against Cash App ( Blick  , 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 le 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: TX

Complaint narrative:
I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection 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: MA

Complaint narrative:
I'm complaining about Cash App ( Block, Inc. ) because of their unjust methods and poor customer service, which are under the Consumer Financial Protection Act ( CFPA ). In particular, Cash App left my account exposed and unsafe by failing to take prompt and appropriate action to stop and handle fraud on their platform. Additionally, because they failed to adhere to the Electronic Fund Transfer Act 's ( EFTA ) and Regulation E 's error resolution criteria, their dispute resolution procedure was unfair and misleading. I demand adequate remedies for these infractions, which have resulted in significant financial loss and inconvenience.

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: IL

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 regulations 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: 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 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 redrese 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sir/Madam : While checking my most recent credit report, I noticed Fraudulent credit Inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : EQUIFAX : XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) XXXX  ( XX/XX/year> ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX  ( XX/XX/year> ) XXXX XXXXXXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ). 

Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 US.C. 1681n ], Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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: TX

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

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

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

Complaint narrative:
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 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their " 360 high yield interest " savings accounts. Capital one misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the consumer financial protection act and the truth in savings act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation