vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: ND

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 effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint : Civil Liability for Negligent Noncompliance Under XXXX XXXX XXXX To Whom It XXXX Concern, I am submitting this formal complaint against PORTFOLIO RECOV ASSOC for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX XXXX. Their failure to meet their statutory obligations has caused harm to my credit standing and financial well-being. 
XXXX. Disputed Item ( XXXX ) : PORTFOLIO RECOV ASSOC Account XXXX PORTFOLIO RECOV ASSOC Account XXXX XXXX. Violation of FCRA Obligations : The company has failed to fulfill its legal responsibilities as follows : XXXX XXXX XXXX XXXX b ) : Failing to ensure maximum possible accuracy of the information they reported. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failing to conduct a reasonable investigation upon receipt of my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Neglecting to notify the furnisher of the disputed information within XXXX business days. 
3. Evidence of Negligence : Despite multiple attempts to resolve this matter, the company has not adequately addressed the inaccuracies or provided evidence of proper investigation. As a result, these errors remain on my credit report. 
The companys negligence has resulted in : Financial Harm : Negative credit reporting not allowing me to purchase a home. 
Emotional Distress : The ongoing inaccuracies have caused unnecessary stress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
NISSAN MOTOR ACC HAS BEEN CONTACTED SEVERAL TIMES THAT XXXX ACCOUNTS ARE ON MY XXXX CREDIT FILE THAT ARE FRAUD. I WILL BE FILING LEGAL ACTION AGAINST NISSAN MOTOR ACCEPTANCE BY XX/XX/year> IF THESE ACCOUNTS ARE'T OFF MY CREDIT FILE.

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting alarming issues with the platform. Despite using Zelle numerous times and reporting discrepancies, XXXX bank and Zelle failed to investigate claims adequately. They endorsed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency with its valued customers is entirely unacceptable. This continues to raise very serious concerns about consumer safety using these platforms.

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

Complaint narrative:
Im submitting this claim to address financial losses I incurred due to significant discrepancies within Zelles system. These failures directly compromised the security and reliability of my transactions, resulting in monetary loss that was beyond my control. Zelles inability to safeguard users and effectively address unauthorized or disputed transactions has been a recurring concern, as evidenced by the ongoing CFPB lawsuit. The lawsuit underscores systemic issues within Zelles platform, including inadequate fraud prevention measures and failure to resolve disputes in a fair and timely manner.

The situation I experienced mirrors these widespread issues, and it is unacceptable that I should bear the burden of losses caused by flaws in the platforms design and oversight. I am requesting a full refund of the amount lost due to these failures. This resolution is not only fair but necessary to restore confidence in a system that has already been flagged for its shortcomings. I trust this claim will be reviewed with urgency and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 for these violations.

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

Complaint narrative:
I am writing to express my concerns about Zelles inadequate handling of disputes, especially in light of the recent CFPB lawsuit that highlights critical flaws within the platform. Despite my repeated use of Zelle and efforts to report discrepancies, both my financial institution and Zelle failed to properly investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was not feasible. According to the CFPBs findings, Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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 recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scam. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: SC

Complaint narrative:
XX/XX/year> I reviewed my credit report to wonder why I am getting denied lines of credit. To my surprise I noticed XXXX accounts reporting that I have not give consent to authorized those account to be reporting on my consumer report. This type of action is a violation of my right for privacy. No creditor or collection gave me any option from sharing my personal information to third party affiliates. Also I search for my information to see if my personal information have been exposed and the result so that research shock me. I am a victim of identity and exposed to a National Data breach. I am demanding for all bureaus to remove the accounts listed within the FTC and based on the XXXX 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 2025-01-18 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:
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 Fail to take timely and 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 error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience And financial loss And I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One issue with direct deposit. Should have received paycheck direct deposit by the XXXX. I live pay check to pay check and currently no funds for gas or food.

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

Complaint narrative:
I am filing a complaint against the 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had a XXXX capital one credit card for over two years now. Last month, I paid off the card in full with the remaining amount {$8500.00}, with a balance transfer from another card XXXX days before the due date. Previously in XX/XX/XXXX, I'd used my remaining cash rewards ( ~ {$100.00} ) at capital one to reduce the overall balance of the card, after which {$8500.00} remained to be paid off. This was the amount that I paid off with a balance transfer on XX/XX/XXXX, before the minimum payment due date of XX/XX/XXXX. 

I didn't expect any further required payments for XX/XX/XXXX. However, Capital XXXX is charging me {$89.00} in interest charge even on {$8600.00} because they said I couldn't use cash rewards to reduce my overall credit balance. I'm astounded by the shocking lack of integrity to charge me interest when I have already paid another card transaction fee for the balance transfer. 

I contacted Capital One at XXXX am on XX/XX/XXXX to speak with a customer rep and followed by her supervisor. The supervisor was extremely rude and not forthcoming about the veracity of the interest charged, and I couldn't get a clear answer from them. 

I am certain Capital one is similarly sifting other customers with additional interest charges without disclosing the necessary explicit parameters to avoid those charges. I shouldn't have to pay additional purchase interest charges when I didn't make additional purchases in the last XXXX billing cycles and paid off the card in full. It's outrageous!! 

I have already made a payment on the charges as I didn't want to be hit with additional late fees. But their system and customer service was outrageous. 

Please let me know what next steps I can take in order to remedy this situation. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE FRAUD ACCOUNTS That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The XXXX XXXX. Please help me Resolve this problem with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} account # XXXX XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account # XXXX Date XXXX Under FCRA XXXX XXXX : XXXX XXXX XXXX XXXX Purposes XXXX XXXX XXXX XXXX XXXX XXXX Disclosure, XXXX XXXX XXXX XXXX person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under XXXX XXXX, Imprisoned for not more then 2 years. 
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 non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Received A copy of My Credit Report I saw My Address On File Is Incorrect & Needs To Be Fixed IMMEDIATELY AND THERE ARE FRAUD ACCOUNTS That Don't Suppose To Be There REPORTING. I've Notified The Creditors As Well As The Credit Agencies. Please help me Resolve this problem with these FRAUD ACCOUNTS to Be Deleted/REMOVED. PLEASE HELP ME RESOLVE THIS ISSUE. THESE ARE THE ACCOUNTS : XXXX XXXX Balance : {$4900.00} account # XXXX XXXX XXXX XXXX Account # XXXX Open XXXX XXXX account # XXXX Date XXXX Under FCRA XXXX XXXX : XXXX XXXX XXXX XXXX Purposes XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be find under XXXX XXXX, Imprisoned for not more then 2 years. 
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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I'm writing to formally express my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

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

Complaint narrative:
I am writing to discuss an issue with Zelles handling of my disputes. And i know cfpb lawsuits highlights a lot significant issues with the platform.my financial institution and Zelle failed to investigate my claims accurately, they informed me that recovering the lost funds impossible and tracking these transactions were unfeasible .the cfpbs findings indicate that Zelle has not only neglected to pay consumers but has also allowed repeat offenders to exploit the system leaving the users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety

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

Complaint narrative:
I am expressing my concerns regarding Zelle 's mishandling of disputes, particularly in light if the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle on numerous occasions and reporting all discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed mr that recovering lost funds was impossible and that tracking these transactions d was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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: IN

Complaint narrative:
XXXX XXXX XX/XX/year> and XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am 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, 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 has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation