vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 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:
My direct deposit from my job that was supposed to be put in my account yesterday XX/XX/scrub>/2025 or this XXXX XXXX/XXXX/2025 is still not being put in my account. Capital One is claiming that they are having technical issues with an unidentified third party vendor that handles the direct deposit and ACH payments. They have been withholding money since XX/XX/year>2025 and no one can tell me where the XXXX that was supposed to be deposited by my employer is. they claimed to have it resolved by morning today, and some have been but others have not. when I called them I kept getting hung up on and i wasn't even talking to anyone. As soon as they picked up i heard an ooops and the phone disconnected. My tax refund of XXXX is also being put in to this account anyday and as it stands right now, their third party entity that remains unidentified is getting all the deposits and not dispersing them. they will have over XXXX of my money by the time it all said and done

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: 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: CA

Complaint narrative:
Experian 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 accurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian has neither corrected nor removed dispute items despite the evidence i provided, causing ongoing harm to my credit standing. Im requesting immediate corrective action to remove or amend the disputed accounts, as Experians 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 2025-01-17 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 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 ( 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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint with CRPB regarding Capital Ones failure to deposit direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. I dont have access to my funds paid out by my employer which is unfortunate for someone living paycheck to paycheck now I am at risk of cut off notice. I request your assistance in investigating this matter.

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: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

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 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 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In my recent credit report from EQUIFAX, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation. 
I formally disputed this bankruptcy record with EQUIFAX, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, EQUIFAX failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ). 
Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint due to Capital One 's failure to deposit my direct deposit from my employer and as of right now, any and all incoming deposits. It has not given me timely access to my funds. Please investigate this matter to ensure I am protected as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XX/XX/XXXXXXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX Balance {$680.00} Open Date XX/XX/XXXX XXXX XXXXXX/XX/XXXX Balance {$110.00} Open Date XXXX XXXX, XXXX XX/XX/XXXX Balance {$710.00} Open Date XX/XX/XXXX XX/XX/XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, Capital One failed to deposit my direct deposit from my employer. I finally received an email from Capital One on XX/XX/year> citing technical issues with their processing vendor that is causing the issues on delayed direct deposit and the issue will be resolved by the next morning. It is now XX/XX/year> XXXXXX/XX/XXXX EST and I still do not have my direct deposit. This may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation is an inconvenience whereas I am living paycheck to paycheck and is now behinds on bills and taking care of my family because of this problem. This situtation also raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.

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: NV

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the customer 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 XXXX 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: IN

Complaint narrative:
I am filing a complaint against Cash app ( Block, ink. ) Due to inadequate customer services 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: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigations of disputed information on my credit report, leaving inaccurate or unverifiable accounted unresolved. The consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provide evidence to furnisher adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed despite the evidence i provide .causing ongoing harm to my credit standing. .I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my right as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One failed to deposit my direct deposit in the amount of is {$2400.00} into my checking account on XX/XX/XXXX. Their failure to do so has caused several payments to be missed on various accounts that I have including one with them. Capital One was aware of this issue as early XX/XX/XXXX and failed to notify their clients until after XXXX EST on XX/XX/XXXX. That notification came with no resolution. As of today when contacting their customer service all you're told is they're working on it and they apologize for the inconvenience. I'm under the impression that Capital One 's failure to provide access to my funds violates the EFT Act.

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

Complaint narrative:
I am filling a complaint against Equifax for failing to properly investigate my dispute s regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proof of investigation. The accounts involved were the XXXX XXXX XXXX account and XXXX XXXX ( Bread Rewards ) account.

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: NV

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the customer 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: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Makes Cents, Inc. dba Advance.Cash
State: GA

Complaint narrative:
I needed a personal loans for {$3000.00} but advance can only do {$1000.00} I asked that in the state of GA the minimum is {$3000.00}. She said this was only online and didnt count, and advanced cash will only debit twice a month but they have been debiting my bank account every week. Not only was the loan amount not {$3000.00} as per the state of ga. The loan is also predatory in nature I borrow {$1000.00} I will pay back over {$5000.00} this is not reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

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 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 2025-01-17 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 about cash app ( BLOCK , Inc . ) due to inadequate customer service and unfair practices Which violates the Consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent the address of 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 information incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am writing to formally file a complaint against Bridgecrest for inaccurate credit reporting and its failure to comply with federal requirements regarding debt cancellation reporting. Bridgecrest has reported to all three credit reporting agencies that the balance on my account was charged off and reported as a profit and loss to the IRS on or around [ Insert Date ]. 

However, I have not received a 1099-C form to report this as income, as required by federal law. Furthermore, the account is inaccurately reported, and I am requesting its removal from my credit report entirely.

Specific Issues : Failure to Provide 1099-C Form : If Bridgecrest has canceled this debt and reported it as a profit and loss to the IRS, they are required to issue me a 1099-C form to report the amount as income. To date, I have not received this document, which prevents me from properly fulfilling my tax obligations.

Inaccurate Credit Reporting : This account is being inaccurately reported across all three credit bureaus ( XXXX, XXXX, and XXXX ). Since the debt has been charged off and reported as a profit and loss, it should no longer appear as a delinquent account on my credit report. Its continued presence is misleading and damaging to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I AM FILING A COMPLAINT WITH THE CFPB REGARDING CAPITAL ONE 'S FAILURE TO DEPOSIT MY DIRECT DEPOSIT FROM MY EMPLOYER AND ANY OTHER INCOMING DEPOSITS OR TRANSFERS. CAPITAL ONE HAS CITED TECHNICAL ISSUES WHICH MAY VIOLATE THE ELECTRONIC FUNDS TRANSFER ACT ( EFTA ) AS IT REQUIRES TIMELY ACCESS TO FUNDS. THIS SITUATION RAISES CONCERNS ABOUT CONSUMER PROTECTION LAWS, AND I REQUEST YOUR ASSISTANCE IN INVESTIGATING THIS MATTER TO ENSURE MY RIGHTS ARE UPHELD. THANK YOU.

Company response to consumer: Closed with explanation