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

Complaint narrative:
Dear CFPB, I am writing to bring to your attention a serious issue regarding the reporting of my payment history for my XXXX  account ( Account Number : XXXX ), which was discharged in bankruptcy. 

Recently, I disputed the payment history of this account with Equifax, citing that the debt had been discharged in bankruptcy. In their response, Equifax claimed that they do not report late payments on discharged debts. I will attach this letter from Equifax for your review. However, this assertion is not accurate. 

Upon obtaining my credit report directly from Equifaxs website, I found that they are still reporting late payments on this account, in addition to classifying it as a charge-off. This contradicts their claim and violates the Fair Credit Reporting Act ( FCRA ), which stipulates that information regarding debts discharged in bankruptcy must not be reported as delinquent. Specifically, under FCRA Section 623 ( a ) ( 1 ) ( A ), a furnisher of information is required to provide accurate information to credit reporting agencies. 

I am attaching both the letter from Equifax and a copy of my credit report as evidence of their inaccurate reporting. Given the nature of this issue, I am also prepared to file a report with the Federal Trade Commission ( FTC ) if this matter is not addressed promptly. 

I kindly request the CFPB to investigate this matter and take appropriate action against Equifax for their misleading information and failure to comply with federal regulations. Thank you for your attention to this important issue. 

Sincerely, XXXX XXXX

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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital one has had some issues with deposit. all of my money is missing and can not pay bills, or get food, called the company over a XXXX minute wait can not get answers online they just keep saying they are working on this issue. 

{$700.00} in deposits missing ( direct deposit )

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: AL

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. Furthermost, 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 Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

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

Complaint narrative:
Capital one hasnt deposited my check for over XXXX. Keeps telling everyone theyll have it by end of day yesterday, moved that goal post to today, XX/XX/25 and still nothing at XXXX XXXX. Its a XXXX day weekend and I might not get paid until Tuesday! Bills will be due, and Im going to be without money for food. Their response to this problem is completely unacceptable. The excuse of a power outage being the problem is also not acceptable. A system as large and theirs should have redundancies to prevent this and they clearly dont.

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: MS

Complaint narrative:
Ive had alot of over draft fees with navy federal which cause them to take my money.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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: Opening an account — Unable to open an account
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I'm baffled as to why a Bank would refuse a customer 's money, as I assumed that Banks are in business and stay in business by utilizing customer 's funds to conduct trades & make investments, and other transactions???... XXXXSouthState Bank , located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX had at least five idle, available, nonchalant, dis-engaged employees who refused to serve one, solitary customer, who was not only the ONLY customer waiting to be served in that facility, but was the one who initiated contact with employee ( s ), in an attempt to get some attention and hopefully get served.

The customer eventually spoke to two employees, and was told by both to have a seat, and as the customer waited for a long while and decided to continue waiting- and while waiting - observed two different employees walk past him [ within touching distance ] ( without saying a word to him ), causing the customer to wonder if this was really happening, if he was really being made to feel invisible & unwanted. The customer sat a little longer until realizing that the two employees behind the glass door ( who were entertaining each other, laughing & giggling the whole time ), simply had other priorities.

The branch manager even walked past the Customer without asking if he needed or wanted any assistance. He eventually realizes that his business is not welcomed at this particular branch, and decides to leave. Upon exiting the front door, he was again encountered by two employees who never uttered a word or acknowledged his presence. 

Customer entered the Bank without being acknowledge, served, or looked at, and left the same way.

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 Zelles handling of disputes, particularly in the light of the 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 funds was unfeasible.

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: GA

Complaint narrative:
I am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle failed to take timely and effective 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 has caused significant inconvenience and financial loss and I seek appropriate readdress 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: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
Unauthorized transaction on statement. As I notice unusual statements balance. XXXX {$200.00} Lowes {$800.00} unauthorized by me XXXX notice of cards lost as checked statement

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: FL

Complaint narrative:
I have capital one checking. They advertise early paychecks which I have been getting on Thursdays every week. They had some technical issue. Today is Friday my actual payday and it's the end of the business day and I still have not received my funds. My employer sent out payroll Wednesday and I even have a pay stub showing it was deposited to capital one. Still no money. I am negative and can't pay rent or feed my kids. I may be homeless soon.

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:
My husband and I can not access any funds in our checking accounts and therefore can't pay bills and credit cards. Capital One said it would be fixed by XX/XX/year> morning, but it still is not functional.

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

Complaint narrative:
Over the years I have not kept dates and times of transactions! I notify them each and everytime and everytime I get no help or no refund!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital Ones mobile deposit feature has been broken for two weeks with no resolution. I am not able to deposit a check to my account because of this. Thousands of other Americans are also not getting their paychecks from Capital One.

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: 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 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: GA

Complaint narrative:
Experian, XXXX XXXX XXXX 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 inaccurate 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, XXXX, and XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their 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: AL

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 andfinancial 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: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
The vehicle was repossessed 4 years ago. The debt Still report and rise every month.

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 — International money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I had {$3000.00} in funds lost from my account without reasoning, and my account was closed and I emailed to inquire about the reason why and I never received any response.

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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
My direct deposit was supposed to hit on Wednesday, XX/XX/XXXX of 2025 through Friday, XX/XX/XXXX of 2025 capital one bank sent an email on the XXXX stating that theyre having technical issues with distributing everybodys direct deposits and it should be resolved by Friday morning it is currently XXXX XXXX  Friday and I have still not received my direct deposit and I am being charged late fees and its not my fault!

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 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 an 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 Eectronic 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 — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I usually receive a direct deposit on Thursday, a day early as we are laid Friday from our employer. Didn't receive anything Thursday, waited until today ( Friday ) still nothing. Contacted my employer and they said everything was good on their end. Checked my email and saw the company issued a statement saying there's an issues with direct deposits. Still have yet to receive my check as of now, XX/XX/year> XXXX XXXX

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 — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I didnt receive my payment, and was concern with the delay. I found out later on social media that countless other customers didnt get their direct deposit. After a whole day i received a late email around XXXX about the bank having issues and was assured it would be resolved by Friday morning. Its around the afternoon as of now XXXX XXXX  XX/XX/XXXX. We the customer cant be late with any payment to the bank without, facing late fees. Ive tried multiple times to contact the bank and customer service isnt any help.

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 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 — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
We were sent a letter from Citibank that an account was past due. It is an account that has not been used in years. The account ends in XXXX. I called the number given ( XXXX ) to straighten out the problem. They could not get the account for two reasons : 1 ) I refused to give my social security number and 2 ) I do not recall the old phone number used when I had this account. 

I believe this is an extension of a fraud case from XXXX XXXX. A fraudulent check was written to Home Depot for XXXX some dollars. XXXX XXXX  determined that the check was fraudulent. XXXX did not pay the check, they closed our old checking account and started a new checking account. Perhaps Home Depot charged on the old charge account to get money for the fraudulent check. I know I paid the Home Depot card account in full in XXXX. I thought it was closed. 

I have never been sent a statement about any charges made on the debunk account. Citibank was unwilling to straighten this out because they demanded my social security number and I do not recall the phone number I had in XXXX. But they managed to send me a bill and past due notice. It doesn't make sense.

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 service problem — 
Company: Block, Inc.
State: CA

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: 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: TX

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. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation