vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital Ones third party service had a local power outage this week that prevented deposits from reaching accounts this week and my actual payday has now come and I still dont have my money, along with thousands of others Im seeing online. Children, food, gas, bills, medication, Ive seen it all. None of it is getting paid. 

Capital Ones generic messaging on the matter wasnt sent until XX/XX/year> XXXX XXXX XXXX and they reported the issue started on XX/XX/XXXX. 

Ive already changed my direct deposit information to no longer be sent to this bank and will be closing my account the minute the funds clear. Too late for any employer to disburse funds in a different way because this excuse of a bank already accepted all of the deposits. The fact that they have no backups for a situation like this is baffling.

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: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered emotional distress as a result of this matter and as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!

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: NJ

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 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: CA

Complaint narrative:
I don't want to receive any updates from the TransUnion either by letter or email regarding my Human Trafficking experience. I am requesting ceast of communications thru email and letters from the said Bureau.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
There has been numerous occasions with NFCU where I have had money in another account where they could pull money from, yet they still charged an overdraft fee of {$29.00}. So rather than having said account negative for whatever was charged, its the charged item PLUS their overdraft fee. When explaining the situation to the representative and asking to have the {$29.00} refunded, the representative was argumentative DESPITE seeing that there was money in another checking account linked to me.

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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello, THis company has reported me to the credit bureaus as being 120 days past due for just {$40.00}. 

First, All my loans are in forbearance and XXXX I did not even know I owed {$40.00} for this loan. This is ridiculous and unfair and dropped by XXXX XXXX by XXXX points. 

I am a teacher and am asking for loan forgiveness for XXXX and This loan was also paid off and forgiven. 

Also, when I log onto the website to even see my debt there is no information where to send a payment as there is no " collection '' agency listed. 

these are unfair and deceptive practices under the FCRA and Also Fair Debt Collection practices act. 

I would like to have this collection removed from my credit report IMMEDIATELY. THIS LOAN WAS PAID IN FULL {$1200.00} and these {$40.00} are fradulent and uncessary fees and has nothing to do with the LOAN ITSELF!!!!!!

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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, THis company has reported me to the credit bureaus as being 120 days past due for just {$40.00}. 

First, All my loans are in forbearance and XXXX I did not even know I owed {$40.00} for this loan. This is ridiculous and unfair and dropped by credit score by XXXX points. 

I am a teacher and am asking for loan forgiveness for XXXX and This loan was also paid off and forgiven. 

Also, when I log onto the website to even see my debt there is no information where to send a payment as there is no " collection '' agency listed. 

these are unfair and deceptive practices under the FCRA and Also Fair Debt Collection practices act. 

I would like to have this collection removed from my credit report IMMEDIATELY. THIS LOAN WAS PAID IN FULL {$1200.00} and these {$40.00} are fradulent and uncessary fees and has nothing to do with the LOAN ITSELF!!!!!!

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: NJ

Complaint narrative:
Hello, THis company has reported me to the credit bureaus as being 120 days past due for just {$40.00}. 

First, All my loans are in forbearance and XXXX I did not even know I owed {$40.00} for this loan. This is ridiculous and unfair and dropped by credit score by XXXX points. 

I am a teacher and am asking for loan forgiveness for XXXX and This loan was also paid off and forgiven. 

Also, when I log onto the website to even see my debt there is no information where to send a payment as there is no " collection '' agency listed. 

these are unfair and deceptive practices under the FCRA and Also Fair Debt Collection practices act. 

I would like to have this collection removed from my credit report IMMEDIATELY. THIS LOAN WAS PAID IN FULL {$1200.00} and these {$40.00} are fradulent and uncessary fees and has nothing to do with the LOAN ITSELF!!!!!!

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

Complaint narrative:
Capital one ACH direct deposit having issues with third party company that releases funds. I still have not received my check in my account. No new information is being shared and other than a generic email we are working on this, I have not reviewed any communications or ETA. This is causing other bills to be considered late and Im incurring late fees and it is impacting mt credit score.

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: OK

Complaint narrative:
I am filing a complaint against Cash App ( BLOCK , inc ). Due to inadequate customer service and, unfair practices, which violates consumer financial protection act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud in 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 Electric Fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss I seek appropriate redress.

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 filling 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 of 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving 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 has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.I want the CFPB to publish description on consumer and remove all accounts immediately.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal would overdraft my account multiple times leading me to get evicted from my XXXX due to insufficient funds

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

Complaint narrative:
On Thursday XX/XX/XXXX I was expecting a direct deposit. Nothing came. I called capital one and got the runaround about a technical issue. They told me the issue would be resolved by tomorrow ( XX/XX/XXXX ). Customers did not receive an email from capital one until late on the XXXX with some vague language about a third party vendor having issues. 

I woke up today expecting the issue to be resolved as I was told, and nothing. I spent another XXXX on hold just to be told nothing - no timeline, no actions I can take, no information about how they will make this up to customers. Still today at XXXXam, we have not received an update from capital one or any official communication about what is going on or where our money is.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts 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 has hurt my ability to obtain credit.

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: MD

Complaint narrative:
I am a capital one bank customer. My direct deposit paycheck was not received Wednesday per usual, I spent at least an hour trying to get a live person with their customer service but was continuously put on hold and then this morning when I call I am routed and then the line just hands up. I asked why my paycheck is not yet available for me and is XXXX days past due and I asked WHEN I will receive my direct deposit funds and was not provided any answers. I just need my money that I am owed, and that my employer paid me- but is being held up by the bank with no explanation, no updates and no information about when this will be resolved.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

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: DC

Complaint narrative:
I am filing a complaint against Cash App ( block, ink. ) due to inadequate customer service and unfair practices, space which violate 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 Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I would like to remove all incorrect information from me credit report.

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: MD

Complaint narrative:
I am filing a compliant 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: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against cash app ( Block Inc. ) due to inadequate customer services and unfair practices, which violate tge consumer financial protection act ( CFPA ). Specifically Cash App fail to take timely and effective measured to prevent and address fraud on there platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, is they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) in Regulation E. These actions has called significant inconvenience in 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 — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
from XXXX direct deposit should have been deposited in my account and it has not amount of XXXX - Capital one has not given customer any consistent resolution information- received the attached email after XXXX last night. They claimed that issue would be rectified by end of business yesterday, nothing, then claimed it would be resolved by this morning, still nothing. I have bills to pay - this is unacceptable

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: EQUIFAX, INC.
State: GA

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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: TN

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 tak timely and effective measures to prevent andt 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: FL

Complaint narrative:
I am currently a Capital One bank customer and I have not received my direct deposit now for two days along with thousands of other customers given that the bank claims they have an issue with an external provider but that is no excuse and communication is limited and no one has a time limit as to when the situation will be resolved and I depend on my funds for work and livelihood.

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:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 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 XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation