vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: IN

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 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: NC

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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identity was stolen and my capital one card was compromised the suspect has warrants and capital has the police report my account is not over the limit with so much interest connected my payment is {$110.00} the interest is {$79.00}

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 redressFor 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: VA

Complaint narrative:
It has been XXXX days and Capital One has not deposited my direct deposit. This is my one and only banking institution. I live paycheck to paycheck. I was not notified about any technical difficulties at all. I had to find out that this was a systemwide issue on the XXXX app. I was told my XXXX XXXX XXXXXX/XX/year> ) deposit would be available on XXXX XXXX XXXXXX/XX/year> ). Then on XXXX I was told my deposit would be available XXXX XXXX XXXX  XX/XX/year> ). Its currently XXXX afternoon and they have told me that there is no estimated time for my deposit available at all. They have completely stopped answering their phones at this time. Also, with knowing there was a systemwide issue, they attempted to shift the blame onto my employer. Thats disgusting. This is unacceptable. I have bills to pay. My leasing office doesnt care that my check hasnt been deposited, they will evict me. I work from home my Internet company doesnt care that my check hasnt been deposited that will get me fired from my job. Something needs to be done.

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 against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply wit 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: NJ

Complaint narrative:
Good afternoon, I am filing a complaint regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues which may violate the Electronic Funds Transfer Act 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
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im extremely frustrated to see an unauthorized inquiry on my credit report this morning. I checked as I normally do, but this time I found unexplained discrepancies. Refreshing my browser didnt fix it, confirming it wasnt a glitch. I urgently need the documents I sent to be thoroughly reviewed so I can stop worrying about this.

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: NY

Complaint narrative:
I have not been credited my direct deposit from a XXXX XXXX XXXX XXXX XXXX. I do not have my pay check. 

I file this complaint formally to assert that I must be made whole for the damages caused by this disruption of services.

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: NY

Complaint narrative:
I did not receive my weekly deposit! I also have not been receiving the correct interest on my savings.

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: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
XX/XX/scrub> 2024 I contacted Aidvantage about a false report of student loans. I was told that my student loans was paid off in full. I was apart of the XXXX XXXX XXXX lawsuit against XXXX University who was found to have made false student loan information to the federal government. The agent sent me the receipt and said they reported it to the credit bureau. Next thing I know department of defense takes over for aidvantage and reports I owed them 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: 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting act. To conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate of unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a law suit against Experian, alleging systemic issues such as failing to forward consumer provided evidence 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 disputed 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.

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: MN

Complaint narrative:
I am filing a complaint against 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 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 card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
This is a business credit card where I had to sign personally to get the card for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The revenue entity under the XXXX XXXX holding company filed for bankruptcy and is currently in bankruptcy since XX/XX/XXXX. The amount due on the card is {$43000.00} and for the last several months they have been calling me personally and my family to include my mother in law, mother, sister in law, wife, brother and daughter many times. The card was for the company I worked for and not a personal card. ALL of these cards require the president or some C level to cosign to get the card, however, on all these cards, the application will not even submit if you do not fill in that field on the application, therefore, AMEX is coming after me personally and I have no money. Sent to XXXX XXXX  XXXX XX/XX/XXXX. this is when the harassment started even after they were presented with documents stating the bankruptcy filing.

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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally expressed my concerns regarding XXXX 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 in XXXX to investigate my claims adequately informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.The CFPB 's findings indicate that XXXX was not only neglected to protect consumers but also has 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On Thursday, XX/XX/XXXX, I should have reveived my paycheck. Id like to officially file this complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. 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. My paycheck amount is {$4000.00}. There's been no actual real communication on a timeframe in which this would be resolved and I've read that the third-party vendor has put out a statement that they have regained access due to the power outage. So why haven't I received my paycheck yet?

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: TX

Complaint narrative:
Dear CFPB Representative, I am writing to formally lodge a complaint against Experian for failing to conduct a reasonable investigation of my credit report disputes. I contacted Experian and requested verification and correction of several items on my credit report that I believe to be inaccurate or incomplete. 

However, each time I submitted a dispute, Experian responded within XXXX minutes indicating that the disputed items were verified without any clear evidence of a legitimate investigation. This extremely short response time leads me to believe that Experian did not conduct a thorough review of the information I provided, nor did they properly contact the furnishers or investigate the accounts in question. 

The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to conduct a reasonable investigation and correct or delete any information found to be inaccurate or unverifiable. Experians actions suggest non-compliance with these requirements, which may have caused ongoing harm to my credit standing and financial well-being. 

Therefore, I am requesting that the CFPB : Investigate Experians dispute handling practices to determine whether they are meeting their legal obligations under the FCRA. 
Require Experian to provide evidence of how they verified the disputed accounts and the specific steps taken in their investigation. 
Instruct Experian to properly reinvestigate my disputed items, update my credit report accurately, and provide timely written confirmation of any corrections.

Thank you for your time and attention to this matter. I am available to provide any additional information you may need to assist in your investigation.

Sincerely

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 — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Direct deposit not in my account going on day 3. Have been on hold for 1 1/2 hours and still on hold with customer service. It is Friday and still no money. This is causing hardship and I will be late on payments, reported to credit bureaus, can't pay bills, can't buy groceries, can't buy necessities for my family. This is ridiculous.

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 — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I would like all the overdraft fees reimbursed for the last 24 months

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

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: PA

Complaint narrative:
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 have caused significant inconvenience and financial loss, and I seek appropriate redress for the 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
on XX/XX/XXXX i filled a complaint through the cfpb # XXXX asking Experian to investigate a late payment on an account on my consumer credit profile under the name XXXX XXXX XXXXXXXX XXXX , Account XXXX XXXX XXXX. I also mailed in another request on XX/XX/XXXX that Experian completely ignored.


I let them know that there was an error in the system and that this account was paid as agreed never late but instead they said they verified the account but that wasn't what i asked for. listed below is what i asked Experian for now 3 times. A detailed description of the procedure used to determine the accuracy and completeness of the information in question. The name and contact information of the furnisher of the information, including the business name, address, and phone number. Proof that the creditor sent the periodic statement, including any tracking numbers or proof of email receipt.

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: KY

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 ). 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Im filing a complaint against Cash App ( Block Inc. ) because of inadequate customer service and unfair practices, which is in violation of the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are several items, including XXXX XXXX and XXXX that I am still viewing as delinquent, charged off, written off and/or potentially late on my credit report. I have made an excessive amount of attempts to resolve this with but obviously the credit bureau did not review the documents that I submitted to prove that these were PAID IN FULL. I requested that the written off, charged off, late and/or potentially late connotations were removed and was repeatedly ignored.

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