vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On approximately XX/XX/XXXX, XXXX XXXX XXXX issued me a credit/refund for ticket XXXX in the amount of {$240.00}. This went to a credit card ending in XXXX. 

I dont have a credit card ending in XXXX, but the original purchase was made with one of my Chase credit cards using XXXX XXXX, so I believe the XXXX to be the last four of a temporary virtual card number. 

The refund never posted to my account, so I followed up with XXXX multiple times. On XX/XX/XXXX, they again confirmed the refund went through and this time provided me with an ARN ( Acquirer Reference Number ) that I understand proves that the refund went through. The ARN is XXXX. 

I reached out to Chase with this information and they didnt use the ARN to look for the refunded transaction. Instead they simply said we dont see any credits on any of your cards. 

I would like Chase to do some actual research using this ARN ( XXXX ) to find out where the refund went and promptly apply a credit of {$240.00} to my account. 

I have a case open with XXXX on this, but it seems theyve done everything they can/need to do. 

Note : one of the attachments references a second ticket receiving a refund for the same amount of money ( another family member that flew with me ) ; that refund has, in fact, posted to my family members credit card ( a different card issuer, I believe ).

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 Cashapp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Cinsumer 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: Block, Inc.
State: MS

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 in 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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those 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: MI

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: SC

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 the 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: SC

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 the 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: 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 redressfor 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: 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 other platforms, Leaving my account vulnerable and unprotected. Futhermore, Their dispute resolution process was unfair and deceptive, as they didnt 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: CO

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to an inadequate customer service and unfair practices, which violated the consumer financial protection act. Specifically cash app failed to take timely an effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with air resolution requirements under the electronic fraud 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:
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 unfeasible. The CFPBs findings indicate that Zelle had not only neglected to protect consumers but had 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 consumers 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: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ), outlined in 15 U.S.C. 1681, was enacted to ensure the accuracy, fairness, and privacy of information in consumer credit files. I have identified significant inaccuracies in the Kikoff account reported on my credit profile, which have caused confusion and hardship. Specifically, the reported {$750.00} credit limit is incorrect, as I never authorized or agreed to such terms. Additionally, there are numerous inconsistencies in how this account is reported across XXXX, XXXX, and XXXX, including discrepancies in payment history, account status, and activity dates. For example, XXXX shows late payments leading to a charge-off in XX/XX/year>, while XXXX shows No Rating for all of XXXX, and XXXX reflects conflicting late payment data before marking the account as charged off in XX/XX/year>. These inconsistencies violate your obligations under XXXX5 U.S.C. 1681s-2 to ensure accurate reporting. Additionally, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), information solely pertaining to transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report. This means that late payments based on internal transactions or experiences should not have been included in the credit report. The inclusion of these late payments violates the FCRAs definition of permissible reporting. Furthermore, I have filed an FTC Identity Theft Report ( # XXXX ) to address concerns that this account may involve unauthorized use of my information.

Attached are My credit report My letter to you Identity Theft Report

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: GA

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 Proctection 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 abf 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 — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to theiXX/XX/XXXXsavings accounts. Capital One misrepresented the XX/XX/XXXX as having XXXX of the nation 's highest interest rates yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXXXX/XX/XXXX This deliberate obscurity and lack of transparency violated consumer trust and resulted in a significant financial loss 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
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: IN

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion Removal Hard Inquiries : I am writing to dispute several unauthorized hard inquiries listed on my credit report, and I demand their immediate removal. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate and complete, and these inquiries have been improperly reported. I expect swift action to correct this issue or I will take further legal steps. 
The specific inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under Section 604 of the FCRA ( 15 U.S.C. 1681b ), a hard inquiry may only be made with my consent, or if I initiated an application for credit. I did not authorize any of these inquiries, nor did I apply for credit with the companies listed. As such, these hard inquiries are in direct violation of my rights under the FCRA, and I demand their immediate removal from my credit report.

Additionally, Section 607 of the FCRA ( 15 U.S.C. 1681e ) requires credit reporting agencies to maintain only accurate and up-to-date information. The presence of these unauthorized hard inquiries clearly violates this mandate, and I expect them to be removed immediately. 
If these inquiries are not removed within 30 days, I will consider your failure to comply a direct violation of the FCRA and I will not hesitate to take further legal action under Section 616 ( 15 U.S.C. 1681n ), which allows me to sue for actual, statutory, and punitive damages if my rights are not honored. I will also file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information, and you are obligated to investigate and correct this issue within 30 days. I expect that these inquiries be promptly investigated, corrected, and removed. If I do not receive confirmation of removal within the required time frame, I will take the necessary steps to hold you accountable for failing to comply with the FCRA. 
Please confirm in writing that these unauthorized inquiries have been removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX

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: IN

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 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: MS

Complaint narrative:
Im filing a complaint against cashapp ( blocking inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFP ) 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 the 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am writing to formally file a complaint against Navy Federal Credit Union concerning multiple overdraft fees that I have incurred. These fees were assessed despite my account reflecting sufficient funds at the time the transactions were authorized.

It appears that the fees resulted from the delayed posting of credits and debits, which created a discrepancy in the account balance. This practice aligns with findings from the Consumer Financial Protection Bureau ( CFPB ) regarding similar issues during their investigation of Navy Federal Credit Union. Specifically, these practices involved assessing overdraft fees on transactions that ultimately settled with insufficient balances, despite sufficient funds being present and authorized when the transactions were initiated.

Under Section 1036 ( a ) ( 1 ) ( B ) of the Consumer Financial Protection Act ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ), financial institutions are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAPs ). I believe these actions constitute predatory practices, as they exploit delays in transaction processing to generate unjust fees. 

I respectfully request a thorough investigation into my account and a review of the overdraft fees charged. Additionally, I urge Navy Federal Credit Union to address and rectify these practices to ensure compliance with CFPB regulations and to prevent further harm to consumers. 

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

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiries were not and should not be reporting. 

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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