vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am XXXX XXXX XXXX and I XXXX  XXXX  to move from XXXX XXXX XXXX. I moved on XXXX. I found a cleaning company on XXXX XXXX. I inquired about a cleaning to be done on XXXX. 

These people had access to my home and once I seen that they indeed were not cleaners, I was scared to not send them their payment due to fear of what type of damage they would do to my home. They requested the money be sent via cashapp. I sent it via cashapp. 

I reached out to cashapp to alert them I was scammed, and requested a refund to which they told me their investigation did not see fit for a refund and that I had to reach out to said scammers to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
I am following a complaint due to Cash App and adequate customer service and unfair practices which violates consumer financial protection act. 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, that dispute resolution was unfair and deceptive as they do not comply with error resolution requirements under the electronic fund transfer act 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 2025-01-16 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: NY

Complaint narrative:
on my credit report I have a deck collector that states that I have XXXX debt for a year or so, which is incorrect cause I already resolved that account with XXXX  XXXX. 

And number two the second problem is, I had an auto loan account that was closing and resolved, and I handled that already, and the case was resolved. Now XXXX has stated on my credit report that both of those two accounts are open and then Im still missing payments, which is incorrect.

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 2025-01-16 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: NY

Complaint narrative:
on my credit report I have a deck collector that states that I have XXXX debt for a year or so, which is incorrect cause I already resolved that account with XXXX  XXXX. 

And number two the second problem is, I had an auto loan account that was closing and resolved, and I handled that already, and the case was resolved. Now XXXX has stated on my credit report that both of those two accounts are open and then Im still missing payments, which is incorrect.

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: TN

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 2025-01-16 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 file a complaint Against Navy Federal credit Union Regarding multiple Overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding Capital Ones mishandling of my direct deposit and their inadequate response to my concerns. As a loyal customer, I entrusted Capital One to provide reliable and timely access to my funds, which I rely on for essential expenses such as bills, mortgage payments, and my familys basic needs. 

Unfortunately, my recent direct deposit has not been credited to my account as expected, and Capital One has failed to provide any clear explanation or resolution. Despite reaching out to their customer service multiple times, I have only received vague responses advising me to check periodically, which is both unhelpful and dismissive of the urgency of this issue. 

Additionally, I have had to take time out of my day to create social media accounts just to chase down information about my hard-earned money because Capital One has not made any formal statements regarding this widespread issue. This lack of communication and accountability is unacceptable and has caused unnecessary stress and financial hardship. 

I believe that Capital Ones failure to process my deposit in a timely manner and their failure to provide transparent communication violates their duty to their customers. 

I kindly request that the CFPB investigates this matter to ensure that Capital One addresses these issues promptly and takes steps to prevent similar incidents in the future. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing this complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Costumer 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
For the last 6month I have been trying to get 3 checks reissued to me due to remediation. I have spoken to more than 25 people, I have been hanged up on several time, to mail documentation end and go to the branch and fax the document. Still nothing has been resolved.

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 2025-01-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/year> ( CFPB XXXX ) I disputed with Experian my XXXX XXXX account ending in XXXX and provided clear documentation straight from XXXX XXXX that said : We have contacted our Risk department and asked if the detail of account activity for the XXXX XXXX account funding your credit card can be shared. We were advised, no, we will not be sharing internal strategy information with customers. Let me ask you thisif XXXX XXXX isnt verifying this information, how can Experian mark my dispute as verified? This is exactly what the CFPB warned about when they said Experian has been conducting sham investigations. You didnt properly review the evidence. You just accepted an incomplete response from the furnisher and called it a day. 

Now, this mistake has consequences. Its dragging down my credit score and blocking me from financial opportunities. You have to fix this. Reporting unverified information is unacceptable and exactly why the CFPB took action against you. Lets make it right.

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 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Company ignored first complaint and keeps on calling. They are annoying and a nuisance. They ignored the first complaint completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filling a complaint against Cash app ( 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 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
After reviewing my credit report from Equifax, I discovered inaccurate information in my credit file, which deeply concerns me as it violates the Fair Credit Reporting Act. The incorrect information includes my name, address, and employer. The name listed on my report as " XXXX XXXX XXXX XXXX should be corrected to my full legal name : " XXXX XXXX XXXX XXXX XXXX. '' The address listed as " XXXX XXXX XXXX XXXX XXXX XXXX  '' needs to be updated to reflect my full and correct address : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' Additionally, my current employer, " XXXX XXXX XXXX, '' is not reflected on the report. These mistakes are not only frustrating, but they also raise concerns about identity theft. These inaccuracies violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. The Gramm-Leach-Bliley Act ( GLBA ) also requires that personal data be protected and kept confidential. Failure to comply can result in penalties of up to {$1000.00} per violation under 15 U.S. Code 1681n. I request that Equifax promptly correct these errors and ensure that my credit report reflects accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
Zelle was not sent to the correct person multiple times even though it was correct info

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
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 see appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There's an outage on my deposit funds that normally post every other Wednesday by XXXXXXXX XXXX or earlier. As of XXXX XXXX  cst they're still not available and they're returning my auto set payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service & unfair practices, which violate the Consumer Finical Protection Act ( CFPA ). Specially, Cash App failed to take timely & effective measures to prevent & address fraud on their platform, leaving my account vulnerable & unprotected. Furthermore, their dispute resolution process was unfair & deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) & Regulation E. These actions have caused significant inconvenience & finical loss, & I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 infrequent customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely actions, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unclear as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused my business significant financial loss, regardless of these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MO

Complaint narrative:
This account was closed, yet it is still being reported as active and continues to accrue interest, late payments, and an outstanding balance on my credit report. This reporting is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ) as well as other U.S. Code regulations governing accurate reporting of consumer credit information.

Violation of FCRA Laws Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report information to credit bureaus that is accurate and complete. Reporting a closed account as active with ongoing accruals of interest and late payments creates a false and harmful impression of my creditworthiness.

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 2025-01-16 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: MO

Complaint narrative:
This account was closed, yet it is still being reported as active and continues to accrue interest, late payments, and an outstanding balance on my credit report. This reporting is misleading, inaccurate, and violates the Fair Credit Reporting Act ( FCRA ) as well as other U.S. Code regulations governing accurate reporting of consumer credit information.

Violation of FCRA Laws Under the FCRA ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report information to credit bureaus that is accurate and complete. Reporting a closed account as active with ongoing accruals of interest and late payments creates a false and harmful impression of my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX They just updated account XXXX XXXX They just updated the account XXXX XXXX XXXX XXXX  They just updated account XXXX XXXX XXXX They just updated account All of these were disputed XXXX XXXX XXXX XXXX no investigation was done They just updated the account. These are all errors on 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 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 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 2025-01-16 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 writing to formally express my concerns regarding Cashapp handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp 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 Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: VA

Complaint narrative:
Cash app- that was not anyone to talk to as far as a live agent when you needed help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service 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 redress for the violations mentioned above.

Company response to consumer: Closed with explanation