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: Early Warning Services, LLC
State: IL

Complaint narrative:
Im writing to inform express my concerns regarding Zelle handling of dispute. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times & reporting discrepancies

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: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX 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 BANK XXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX BANK Balance {$680.00} Open Date XX/XX/XXXX XXXX XXXX BANK Balance {$110.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance {$710.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$340.00} Open Date XX/XX/XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$1700.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX Balance {$1600.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1100.00} Open Date XX/XX/XXXX inquiries XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX Date XX/XX/XXXX 2023

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: FL

Complaint narrative:
Capital One says they had a tech outage due to third party they use but no other information. This is now day number XXXX without my money they control. Theyve also held deposits for XXXX week due topotential risk without my consent. I believe I might fall into the lawsuit they have with not paying out correct interest payments.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I WAS NEVER LATE ON THESE ACCOUNTS. THESE ACCOUNTS HAVE BEEN PAID OFF WITHOUT BEING LATE.

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: 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:
I WAS NEVER LATE ON THESE ACCOUNTS. THESE ACCOUNTS HAVE BEEN PAID OFF WITHOUT BEING LATE.

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: NY

Complaint narrative:
I am filing a complaint as capital one has failed to deposit my direct deposit funds from my employer. Capital one states there were technical issues and the problem would be resolved the next morning Friday and it is now XXXX  XXXX XXXX. And the issue is unresolved. These technical issues XXXX violate the electronic funds transfer act EFTA as it requires timely access to funds. This concern raises concerns about consumer protection laws am I request assistance in investigating the matter to ensure my rights are being 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I reached out to experian several times regarding this information being incorrect I submitted documents of data breach on their behalf and XXXX XXXX but credit bureau continues to update not remove invalid information

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There's information on my consumer report that's a result of identity theft. I did not provide written permission or instructions for the identified transactions that's reported on my consumer report. I am requesting of this reporting be blocked and deleted. My request for the block and deletion is not in error! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Ive reported this huge mistake to XXXX, XXXX, and TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: KY

Complaint narrative:
XX/XX/year> did not receive two of my direct deposits today. Confirmed with capital one they are having technical difficulties with their direct deposit system with no timeline when it would be corrected. The amount that is due to be deposited is close to {$4000.00}.

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: MS

Complaint narrative:
I am filing a complaint with CFPB regarding Capital One 's failure to deposit my 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. This situation raises concerns about consumer protection laws, and I request your assistance in investigation 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
I am writing to formally dispute the validity of a collection account appearing on my credit report. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 
1692g, I am requesting detailed validation of the debt in question. 
Account Information : Creditor Name : [ Name of the Creditor ] Account Number : [ Account Number ) Amount : [ Debt Amount ) I am exercising my rights under the FDCPA to request the following information : 1. Verification or proof of the alleged debt, including the original creditor 's name and address. 
2. Documentation evidencing that the collection agency has legal authority to collect this debt. 
3. A complete accounting of the alleged debt, including all charges, fees, and interest applied. 
I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency. 
Furthermore, please provide verification that the statute of limitations on this debt has not expired. 
I understand that, under 15 U.S.C. 1692g, you are required to provide me with the requested information within 30 days of receiving this dispute. 
Failure to do so will result in the assumption that the debt is not valid, and you must promptly remove it from my credit report. 
Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and your scoreoliaze gh the FDCPA regulations.

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: MD

Complaint narrative:
XXXX -- I have been unable to access funds that were deposited to my account. I work for the XXXX  XXXX  and receive auto deposits every two weeks. Normally, this money is reflected in my account the Thursday evening before " pay day ''. When I checked last night, I received a message at the top of my account -- Restoration is underway to fix vendor issues impacting deposits, payments, transfers and account visibility. Today, Friday, XXXX, I have been on hold on the phone trying to connect with someone at Capital One for more than one hour. The message about high call volume and looped music, I assume is played to make me disconnect -- it can be the only reason for it. I expect my Federal salary to be in my account on time, without any errors. This bank failure is unacceptable and very worrying. I have bills to pay and not sure if I can even do that with the existing funds ( reflected in the account ) since some payments made earlier this week are not showing as paid. I can not determine the status of payments, my correct checking balance and when this will be corrected. Capital One owes its customers better service. I am not certain of the duration of this outage but this must be impacting many other families. I would appreciate an investigation of this problem and a quick resolution.

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: NM

Complaint narrative:
Capital One did not give me access to my Direct Deposit funds from my employer

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: CA

Complaint narrative:
XXXX, delay of direct deposit funds ( {$1000.00} )

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: 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of 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 tracking these transactions was infeasible. The CFPBs 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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have spoken to Capital One repeatedly to close all credit cards under my social security # and never open a card under my Social Security #. I have spent hours with Capital One without satisfaction that they will protect me ongoing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
I received 3 letters in XXXX and now another one in XXXX from Linebarger Goggan Blair & Sampson who says that I owe school taxes in an area of texas that I've never lived. They keep threatening to sue me. I talked with a person named XXXX last year who works there and he said they would stop sending me letters but they have not. At this point I am not sure if this is a scam or not. They say I owe {$31000.00} for school taxes in a place I have never lived! Can you help me? Their number is XXXX.

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: OH

Complaint narrative:
( XXXXlock, 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 mv 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 redre 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 XXXX 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. Their dispute and 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 acts 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: Early Warning Services, LLC
State: IL

Complaint narrative:
i am to formally express my concerns regarding zelle 's handing of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issue with the platform. Despit using zelle numerous times and reporting discrepancies, my financial institution and 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 CFPD 'S findings indicate that zelle has not only allowed repeat offenders to exploit the system, leaving user vulnerable to scams. the lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 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: IL

Complaint narrative:
Im writing to express concerns about Zelles dispute handling, especially after the CFPB lawsuit highlighted significant issues. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle havent investigated my claims well. They said recovering lost funds and tracking transactions is impossible. The CFPBs findings show Zelle neglected consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious consumer safety concerns.

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: OH

Complaint narrative:
I was supposed to receive two payroll related direct deposits today ( XX/XX/XXXX ), into my Capital One checking account. Yet, as of XXXX XXXX XXXX XXXX I neither have received the payments nor have received any communication from the bank other than a generic message. While I am fortunate to have enough liquidity to cover my expenses and other obligations, many other customers of Capital One may not be so fortunate. This is unacceptable and does not appear to be approaching resolution.

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: IL

Complaint narrative:
I am writing to formally expressed my concerns regarding Zelles hand particularly in the light of the recent CFPB lawsuit highlighting significant issue 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 loss funds was impossible and the tracking these transaction was unfeasible. The CFPB findings that has not only neglected to protect consumers but also allow repeated offenders to exploit the system, leaving users vulnerable to scams. The lack of transparency and accountability is unacceptable and it 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: Early Warning Services, LLC
State: TX

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

Complaint narrative:
on thursday morning of XX/XX/year>, my direct deposit did not arrive into my account as it was supposed to which is at XXXX. i contacted customer service, and a representative had answered the phone in an annoyed tone. i asked him that what was going on with the system because i have not yet received my paycheck. HE SAID THERE WAS NOTHING GOING ON. he also asked me what was the last time that i had gotten paid and i said two weeks ago on friday morning because of new years. he repeatedly lied to me and said that there was not any issue occurring although now it is all over the news that there has been a glitch in the system that has impacted me receiving my funds. i was so upset of how useless the representative was that i hung up. also i was charged a late fee of {$50.00} for my credit card payment.

Company response to consumer: Closed with explanation