vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer ContracXXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} Collection XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00} Collection Inquiries in Dispute : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 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 transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
My financial institution and Zelle failed to investigate my claims. They informed me that recovering lost funds is impossible and that tracking these transactions is unfortunate. Zelle has neglected to protect consumers and also has allowed repeat offenders to exploit the system leaving users vulnerable to scam this is unacceptable.

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: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am writing to formally express my concerns of XXXX handling of disputes, particularly in light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX has not only neglected to protect consumers but has also 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 saftey.

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: HI

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: Block, Inc.
State: NC

Complaint narrative:
I filed a complaint against cashapp ( Block Inc. ) due to inadequate customer service and being unfair in their practices. Cashapp failed to take fraud and other fraudulent measures seriously. You are unable to contact anyone in regards to fraudulent activity and when you submit, they never follow up ( since you can not get a real person )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: IL

Complaint narrative:
I had money transfer problems and there was no live agent or XXXX number to call

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I have had issues with cash app and then they put fake people on the phone that violate by asking person info. I had contacted them about a merchant that made a false advertisement on line and they refused to give me my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: VA

Complaint narrative:
I had a cashapp account and the account had XXXX dollars it it that I was given for a car and they said it looked fraudulent and took my account and said appeal it when I tried calling

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: EQUIFAX, INC.
State: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.

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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of dispute, 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 finding indicate that Zelle has not only neglected to protect consumer but has also allowed repeat offender 's to exploit the system leaving user 's vulnerable to scams. This lack of a 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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXXXXXX XXXX XXXX XXXX, if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX XXXX XXXX ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Zelle has been scamming in taking people money from accounts along with XXXX XXXX in they steady stealing money from my accounts in not giving the money back

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Recently. I did an investigation on my credit report and found several bers on there to be inaceurate. 
Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accuracy of report Whenever a consumer tesorting agaosy prepares a consumer report. XXXX shall follow teasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Treatment of inaccurate or unverifiable information ( Ajin general I, after any reinvestigation under paragraph ( 1 ) of any information disputed by a gonumer, an tom of the information is found to be inaccurate or incomplete or can not be verfied, the consumer repoding agency shall- ( prompty delete that item of information from the file of the condumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ; ipromptly notty the fumisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following bems from my credit report, immediately. 
Chapter 13 Bankruptcy

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: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am referring to Capital One 's response to my previous complaint in case # XXXX. Capital one responded on XX/XX/XXXX. 

In Capital One 's response, they responded to part of my complaint, not its entirety. I included excessive cash advance fees that were charged to me ( although I took out no cash advances ) in XX/XX/XXXX statement ( attached ), XX/XX/XXXX statement ( XX/XX/XXXX to XX/XX/XXXX billing cycle ), XX/XX/XXXX statement ( XX/XX/XXXX - XXXX XXXX billing cycle ), XX/XX/XXXX statement ( XX/XX/XXXX to XX/XX/XXXX billing cycle ), XX/XX/XXXX statement ( billing cycle XXXX XXXX, XXXX to XX/XX/XXXX ), XX/XX/XXXX ( see attached screenshot ), XXXX statement ( billing cycle XX/XX/XXXX to XX/XX/XXXX ), XXXX statement ( billing cycle XX/XX/XXXX to XX/XX/XXXX ), all are attached and all I was charged cash advance interest fees although I had taken out no cash advances for those respective months. 

Your response did not address these months, only the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Note I did not inquire about the months in year XXXX. 

In the attached statements, it shows next to XXXX XXXX under Account Summary a sum of XXXX ( XXXX ), meaning I did not take any cash advances out for these months, yet when I look at the bottom of the statements under Heading named Interest Charged next to " Interest Charge on Cash Advances '' it shows a balance in which I was charged an interest fee for cash advances although I did not take out any cash advances for those months. Please explain why I was charged Interest Charge on XXXX XXXX for the statements attached ( including XX/XX/XXXX where I was also charged an Interest on XXXX XXXX fee ) when I did not take any cash advances for these months. 

Please see attached statements.

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: WA

Complaint narrative:
I am filing a complaint with the CFPB in regards to Capital Ones failure to deposit my employers direct deposit and any other incoming deposits, Capital one has cited technical issues, which my violate the Electronic Funds Transfer Act ( EFTA ) as it is required to to timely access funds and this raises a huge concern about consumer protection laws, i am requesting your assistance in investigating this matter to ensure my rights are upheld, thank you.

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: MN

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc ) due to inadequate consumer service and unfair practices, which violates the consumer Financial Protection Act ( CFPA ). Specifically, cash app has failed on there 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 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 — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX, 2024 an " XXXX '' reached out to me on XXXX  wanting to use XXXX XXXXXXXX and I in a water painting, that will be put up in an exhibit. He said I will be compensated for my likeness. I said yes because, XXXX XXXX would love that. He said okay give me a few days my manger will text you about pricing I say okay. He ask for my phone number I give it to him. He tells me he needs me to send half of the money to him for resources to paint XX/XX/year>2024 His manger texts me about me sending a check. He sends me the check my bank neglects it and me being XXXX not understanding why. I asked XXXX XXXX if I can use her account to cash this check explain the situation she's like okay. 

XX/XX/scrub> 2024 We send the first check to her XXXX XXXX account it goes through we send him XXXX on cashapp and we keep XXXX later his account asks us to send him XXXX more dollars. We ask why it's ours he says bc the painting needs more resources. We say yes reluctantly because it's ours based off his word but we don't have the resources to win in court if we don't send it. 

XX/XX/scrub> 2024 He sends a check for XXXX. We cash it he tells us we can keep {$700.00} for what happened last time. We send the money. We go to church later at church his manger is asking us for {$500.00} of XXXX back. we start to catch on that this was a scam and we say no and send back {$300.00} and keep {$400.00} XX/XX/year> Her XXXX XXXX account is $ XXXX in debt. We don't understand why. We call her bank they tell us fraudulent checks. We are shocked, they threatened sending us to jail, and a lawsuit. We explain the situation on the phone. XXXX XXXX calms down and says we have to pay all of the money back. I text the " XXXX '' for the money back so I can send it back he says no then threatens XXXX XXXX. We argue back and forth eventually leading to nothing. XXXX XXXX contacted authorities about this it's seems they did nothing I call cash app for a refund, they say since I sent him the money I can get any of it back and I'm just out of luck. I used the {$700.00} I had to start paying off the debt. 

XXXX later I do my research or the Electrical Funds Act and realized I'm obligated for a refund from cash app. It's actually illegal for cashapp not to refund the customer their money for sending it to the wrong person in anyway. In my case it definitely was too I was scammed, and I was trying buy merchandise in a business proposal. my credit cards get cancelled due to all my money in my account being taken out. That debt is now add on to her total debt and her credit score is ruined. 

XXXX weeks later continued Calls and XXXX XXXX from the now scammers. They XXXX and point guns at me through the phone. I block them.

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: MD

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, 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 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
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: OH

Complaint narrative:
Ive had an cash app account for 3 years and just one day out the blue I was waiting on my friend to send me money for rent and I go to look and my account was closed with my money they send as well as money I had just seating in my account when I tried to chat with the service it always gave me the run around XXXX

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 ( 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 XXXX 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: GA

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 situation 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. 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 2025-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Incorrect information on my account and the cfpb law suite.this is hurting my credit can these unverified reports be verified or quickly be deleted from my report Transunion

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