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: MI

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due Inadequate customer, 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: GA

Complaint narrative:
I am filing a complaint against Cash app ( block , inc ) due to inadequate customer service and unfair practices with violate the consumer financial protection act cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected these actions has caused significant inconvenience and financial loss and I seek appropriate compensation 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 an complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ), Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Futhermore, their dispute resolution 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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, Zelle and my financial institution failed investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking transactions was unfeasible. The CFPB 's findings indicate that Zelle not only neglected to protect their consumers but all allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi, I have recently looked ATA copy of my credit report and noticed there was a few fraudulent accounts on my report. Iaskthat you please remove these accounts from my report because they are hurting my ability to obtain credit

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 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: CA

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: ID

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 and resolution process was deceptive and unfair, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial lost, 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: NJ

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: Early Warning Services, LLC
State: GA

Complaint narrative:
I am writing to formally express my concer 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 als 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: 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 practice which violate the consumer financial protection act ( cfpa ) specifically Cash app failed to take timely and affected measures to prevent and address fraud on their platform, leaving my account valuable and unprotected. Furthermore they dispute resolution process was unfair and deceptive as they did not comply with error resolution requirement under the electric fraud transfer act efta and regulation XXXX these actions have called 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 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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
equifax is reporting XXXX  XXXX  ending in XXXX on my credit report this account and balance do not belong to 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 — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
I bought XXXX on Robinhood everything was fine and my xrp went up. I wanted to hold it but one day randomly my account was restricted and I couldnt access my money or withdraw it just stare at it. I have tryed to fix this through Robinhood and spoke to them but theyre no help they just ask for my identification and when I give it to them they dont unrestrict anything. They also randomly changed the name on my account to my dads name and requested his information. Then that didnt work either. I continue to request to speak to support and even tweeted at them and nothing helps. I have over {$5000.00} locked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
The Credit Card is an Apple Card ( Goldman Sachs ). I contacted Apple and said that I see transactions not made, authorized or agreed by me. After almost 2 months of investigation, all disputes made by me were denied with no explanation, evidence or clarification. I had no choice but to have faith in re-submit all claims for the second time. They have blocked any provisional credit for me, do not provide any information regarding the investigations or even try to calm me down. Speaking with representatives at Goldman Sachs via Apple Chat is a mess, most are missing information, simply sticking to their scripts and have absolutely XXXX clue on whats going on. The disputes Im in are, Disputes : XXXX, XXXX Services XXXX {$100.00} XXXX, Apple, {$9.00} XXXX, XXXX, {$21.00} XXXX, Apple Services, {$8.00} XXXX, Apple Services XXXX {$99.00} XXXX, Apple, {$99.00} XXXX, Apple, {$99.00} XXXX, Apple, {$99.00} XXXX, Apple Services XXXX {$48.00} XXXX, XXXX XXXX ( XXXX ), {$55.00} XXXX, XXXX XXXX XXXX, {$100.00} XXXX, XXXX ( XXXX XXXX, {$50.00} XXXX, XXXX XXXX ( XXXX ) XXXX {$100.00} XXXX, XXXX XXXX ( XXXX ), {$110.00} XXXXXXXX XXXX XXXX, {$6.00} XXXX, XXXX XXXX {$390.00} XXXX, XXXX XXXX, {$15.00} XXXX XXXX XXXX XXXX, {$15.00} XXXXXXXX XXXX XXXXXXXX, {$67.00} XXXX, XXXX  ( XXXX ), {$29.00} XXXX, Smoke Boutique, {$37.00} XXXXXXXX XXXX XXXX, {$140.00} XXXX, XXXX Leaf, {$81.00} XXXXXXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX  {$330.00} XXXX, XXXX XXXX XXXX {$150.00} For some of these, I did research and simply validation the cameras will have enough evidence to show that the transaction was no made by me. For online purchases, an IP address can also validate that I was not making, authorizing nor doing the transactions. Apple purchases are not fraud but refunds because I did not receive in game goods like paid for. I have paid the same amount ( {$99.00} ) on my XXXX XXXX account ( credit card ) and theyve already issued me a full refund unlike Apple Goldman Sachs. I am desperate for help because at this point Im loosing all of my faith. I cant use the card ( Apple Goldman Sachs ) because Im very scared for more fraud and no way of proofing and getting my money back.

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:
( 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 redres-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: NY

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 an 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 EXXXX 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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605b ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX under the account number XXXX. Another credit card opened at XXXX under the account number XXXX. Also loan accounts opened at XXXX XXXX XXXX under the account number XXXX, and XXXX under the account number XXXX, XXXX XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge offs and hard inquires as reported. The aforementioned accounts and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All the aforementioned accounts, charge-offs and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) and ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. My data was exposed in the XXXX data breach and the XXXX data breach, as a result the aforementioned accounts have been opened and accessed without my permission which has negatively affected my credit report.

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

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 tak timely and effective measures to prevent ar 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 redres ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tal timely and effective measures to prevent a 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 anc financial loss, and I seek appropriate redre 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, 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting XXXX XXXX as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: MI

Complaint narrative:
I'm filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measurements to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they're 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