vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

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 on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I tried to order food from a XXXX  website And it was not a real site but before I knew that it directed me to use cash app I unfortunately did n well needless to say it was a scam and of course cash app had nothing for me as in protection or anything so XXXX XXXXXXXX

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: LA

Complaint narrative:
Direct deposit from employer not deposited into my checking account due to Capital Ones technical issues!!!!

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: NY

Complaint narrative:
In XXXX to XX/XX/year>XXXX  I was scammed out of {$3500.00}. I was sent a check by someone to pay for subletting an apartment. I had permission from the apartment complex to find someone to sublet. The check that was sent to me apparently came from the persons ( the person I found to sublet the apartment. Her name was XXXX XXXX ) employer. XXXX XXXX claimed the employer sent the money for the apartment to me but also the money required to move her items to the apartment. The check was {$3500.00}. She asked me to keep the money for the apartment fees but Zelle her the remainder for her moving fees once since that money was sent to me in error. I deposited the check into my account. I sent her {$550.00} which is what remained after the apartment fees were paid but then the check bounced. And the person I sent the remainder money to stopped responding to me. I lost the money from the apartment fees and I lost the money I sent to her. The apartment complex ( XXXX XXXX XXXX  in XXXX ) was not helpful what so ever in the matter. I have a paper trail of messages. I filed a police report against XXXX XXXX in XXXX but nothing came of it. I contacted both XXXX XXXX  and Zelle about it many times but no one helped me. I contacted the apartment complex but received no compliance from them either. I was scammed and no one helped with anything. I was a student at the time and the hit was detrimental. Not only was I out {$3500.00} but I was also homeless staying on a friends couch for a month and a half before I could get another apartment.

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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 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, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File no. XXXX ) against them for similar violations. i request that CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigations.

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

Complaint narrative:
I am filing a Complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair 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 — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My direct deposit has been held up in capital ones system since Wednesday afternoon. I have payments being returned and bills becoming past due because I do not have access to the funds that are supposed to be in my account. 
Furthermore, I have a credit card payment coming due with a capital one credit card. Customer service REFUSED to do anything at all to prevent a late payment fee or negative credit reporting, stating You must continue to make your minimum payments on time, when they are the ones not allowing me to access my money.

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

Complaint narrative:
I am filling a complaint against cashapp ( block inc ) due to inadequate customer service and unfair practices which violated cfpa! Cashapp failed to take acting towards fraud leaving accounts unprotected their depute dept was unfair and despective

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: WI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable dispute reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against experience, alleging systemic issues such as failing to forward consumer-provided evidence to refurnish, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was supposed to received a paycheck direct deposit Thursday XX/XX/year>. And still haven't received my fund 2 days later. Capital one Bank is not providing and updates to their consumers. They are Illegally with holding our funds and there should be an IMMEDIATE INVESTIGATION.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Kindly remove and block. 
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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 Contract 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Charge off XXXXXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} -XXXX  XXXX. 
XXXX XXXXXXXX Date Opened : XXXXBalance Owed : - XXXX XXXX. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - XXXX XXXX. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX. 
XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXXXXXX  Reference # 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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital one closed my account with a balance of XXXX $ and have yet to send me my money.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding inaccurate late payments reported on my credit report during the national emergency period for COVID-19. These late payments were recorded for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Under the protections provided by the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), my account should not have been reported as delinquent. 
The CARES Act was enacted to protect consumers facing financial difficulties due to the pandemic, allowing for leniency and preventing negative credit reporting during this period. Despite this, the creditor XXXXXXXX XXXX XXXX XXXX reported my account as late, affecting my credit score unfairly and contradicting the intended protections under the CARES Act. 
I have previously contacted XXXXXXXX XXXX XXXX XXXX and requested that my account status be corrected to reflect a status of " PAID/AGREED '' or " OK '' for the specified dates, as required by the CARES Act. However, I have not received a satisfactory resolution, and my report remains inaccurate. This situation is now negatively impacting my credit score and my ability to access financial services. 
I am requesting that the CFPB investigate this issue to ensure my rights are respected under the Fair Credit Reporting Act ( FCRA ) and that my credit report is updated accurately.

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: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Certificate with Navy Federal Credit Union was scheduled to review XX/XX/XXXX. I changed the term to 10 months. On XX/XX/XXXX I received renewal notice which reflected ZERO as the interest rate. Called and was told 10 month term was not available at the time of the renewal. They would now put funds in 10 month term however they would not adjust the interest from XX/XX/XXXX. 

I have not received any documentation indicating funds were put in a 10 month Certificate or the interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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: IN

Complaint narrative:
Hello, I have personal checking and saving bank account with Capital One. I am supposed to receive a deposit for a scholarship today into my checking account. I have not received that deposit. Capital One is currently in the news for not making deposits into customers ' accounts on time. I am now one of those customers. I attempted calling the company twice as I live in Indiana and do not have access to a physical branch. Despite calling, I could not get in contact with an actual living human representative, nor was I given any clear options for dealing with my issue in the pre-selected menu. I now have no recourse with my bank, have no access to deposited funds that should be in my checking account, and have received no communication from Capital One regarding this issue or its resolution apart from the banner at the top of their website that reads, " We are currently experiencing technical issues. We are working to fix the problem as quickly as possible. '' This is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Tried to get my checking account active again in XXXX. They said it was closed to unpaid fees. I shouldnt have been charged the fees. I still dont have a reopened checking account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have never personally used XXXX. In XXXX of XXXX my phone was stolen and XXXX transfers were attempted and blocked. Since then I have not been able to use XXXX. I have called both XXXX and Truist to get this restriction lifted and they say they can not do it, and there is no process to do so. I filed a CFPB report against XXXX, and they responded and said my account is no longer restricted. I then attempted to re-enroll in XXXX with Truist and it says service unavailable. I contacted XXXX support and they have confirmed that my account is not restricted, and that the restriction was lifted on XX/XX/XXXX. I then contacted Truist support and they confirmed that Truist is restricting my XXXX account. I asked if there is a process in place to get this restriction lifted and Truist tells me there is nothing they can do. This is anti consumer behavior. I have done nothing wrong and through no fault of my own I am permanently banned from using XXXX. There is no other option to send money through the Truist app, and this is monopolistic behavior on the part of Truist and XXXX. The fact that there is no process to resolve this issue is unacceptable considering there is no alternative to freely transfer funds easily to pay bills, or accept payments.

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

Complaint narrative:
Capital one had help my direct deposit for 3 days and I do not have access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I called to get information, I never have an account with the company. The agent couldnt even gave me the original debtor

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian is reporting 3 hard Inquires that are not correct. I did not authorize these. They need to be deleted immediately they are identity theft. I have filed a Police Report and Affidavit and more inquires have been added to my reports. Please delete and update immediately. 
Enclosed is my Police Report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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: MO

Complaint narrative:
This started XX/XX/year> when supposedly Capital One was having issues with a third party vendor and not being able to process direct deposits. I have requested to know the issue, when said issue would be resolved, and when I can expect my direct deposit. The only response is we are having technical issues and we will update once the issue is resolved.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair 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 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: 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 ( 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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation