vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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 and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: DE

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-18 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 filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the 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 sis not comply with error resolution requirements under the 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 violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am Filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Elctronic 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 concerns regarding Zelles 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 claim adequately. They informed me that recovering loss funds was impossible and that tracking these transactions was unfeasible. 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 & transparency is unacceptable & raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
I am Filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming desposits. 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 the consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are withheld. Thankyou.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 formally expressed my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting specific issues with the platform. Deposit using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately, they informed me that receiving lost funds was impossible, and that Tracking these transactions was unfeasible 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 scam. this lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: TN

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX XXXX XXXX XXXX  Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX. 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-18 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: TN

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to XXXX XXXX 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX XXXX XXXX XXXX Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section XXXX XXXX XXXX XXXX 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-01-18 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that you block this information from my credit report within four business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXXt # XXXX bal. {$47.00}. Inquiries : XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones 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 investigating this matter to ensure my rights are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 express my concerns regarding Zelles handling of disputes, particularly in light of the recently CFPB lawsuit highlighting significant 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 CFPBs finding that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving user 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 2025-01-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital one alleging it misled customers about interest rates on 360 Savings accounts by not informing them of a higher-yield interest. Capital One promises and handling of its 360 Savings accounts, which were promoted as accounts providing one of the highest interest rates in the nation. But instead, the CFPB alleges, Capital One froze its rate at a low level for at least several years, even as rates rose nationally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 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 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving others 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 2025-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This complaint addresses violations of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX, Privacy Act of 1974 ( XXXX XXXX. XXXX ), XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and other consumer protection laws by XXXX XXXX XXXX XXXX and associated XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, TransUnion, and XXXX. This complaint also raises concerns regarding retaliation and threats by XXXX XXXX XXXX executive office in response to my lawful disputes. 

XXXX XXXX  and XXXX XXXX 1. Unauthorized Reporting ( XXXX XXXX XXXX XXXX ) : XXXX XXXX. XXXX : Reporting personal financial information to CRAs without explicit written authorization is unlawful. 
XXXX XXXX. XXXX : Reporting irrelevant or excessive information, such as transaction history unrelated to active accounts, is prohibited. 
XXXX XXXX XXXX XXXX XXXX  ) : CRAs must ensure maximum possible accuracy in the information provided by furnishers. 
2. Violation of Privacy Rights ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX failed to provide opt-out mechanisms for sharing my nonpublic personal information. 
XXXX XXXX XXXX : Financial institutions must provide a clear and conspicuous opt-out notice before sharing consumer information with nonaffiliated third parties. XXXX XXXX failed to comply with this requirement. 
3. Privacy Act of 1974 ( XXXX XXXX. XXXX ) : XXXX XXXX XXXX XXXX XXXX disclosed excessive personal information, including previous addresses, transaction history, and irrelevant details, without authorization. 
4. Certificates of Indebtedness ( XXXX XXXX XXXX  ) : Reporting charge-offs or similar items constitutes unlawful reporting of certificates of indebtedness or income, which is not legally permissible. 
5. Retaliation and Threats ( XXXX XXXX. XXXX ) : Retaliatory actions and threats by XXXX executive office violate federal consumer protection laws. Harassment, coercion, or obstructing my legal rights is prohibited under federal law. 
6. Civil Liability for Noncompliance ( XXXX XXXX. XXXX ) : Chases willful noncompliance entitles me to statutory damages of {$1000.00} per violation per CRA for unauthorized reporting and disclosures. 

Concerns Regarding Retaliation XXXX XXXX XXXX XXXX XXXX has allegedly engaged in retaliatory actions, including : Attempts to coerce or intimidate me into withdrawing legitimate disputes. 
Harassment or verbal threats regarding my accounts and credit standing. 
Obstructing my ability to exercise my rights as a consumer under federal law. 

These actions are not only unethical but illegal under XXXX XXXX. XXXX and other consumer protection statutes.

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 2025-01-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This complaint addresses violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), Privacy Act of 1974 ( 5 U.S.C. 552a ), 15 U.S.C. 6802, 12 CFR 313.7, 16 CFR 433.1-3, and other consumer protection laws by XXXX XXXX XXXX XXXX  and associated Credit Reporting Agencies ( CRAs ) : XXXX, XXXX, and Equifax. This complaint also raises concerns regarding retaliation and threats by XXXX XXXX XXXX executive office in response to my lawful disputes. 

Key Violations and Applicable Laws 1. Unauthorized Reporting ( FCRA, 15 U.S.C. 1681 ) : 15 U.S.C. 1681b : Reporting personal financial information to CRAs without explicit written authorization is unlawful. 
15 U.S.C. 1681c : Reporting irrelevant or excessive information, such as transaction history unrelated to active accounts, is prohibited. 
15 U.S.C. 1681e ( b ) : CRAs must ensure maximum possible accuracy in the information provided by furnishers. 
2. Violation of Privacy Rights ( 15 U.S.C. 6802 and 12 CFR 313.7 ) : 15 U.S.C. 6802 : XXXX XXXX XXXX failed to provide opt-out mechanisms for sharing my nonpublic personal information. 
12 CFR 313.7 : Financial institutions must provide a clear and conspicuous opt-out notice before sharing consumer information with nonaffiliated third parties. XXXX XXXX  failed to comply with this requirement. 
3. Privacy Act of 1974 ( 5 U.S.C. 552a ) : XXXX XXXX  and associated CRAs disclosed excessive personal information, including previous addresses, transaction history, and irrelevant details, without authorization. 
4. Certificates of Indebtedness ( 16 CFR 433.1-3 ) : Reporting charge-offs or similar items constitutes unlawful reporting of certificates of indebtedness or income, which is not legally permissible. 
5. Retaliation and Threats ( 15 U.S.C. 1692d ) : Retaliatory actions and threats by XXXX executive office violate federal consumer protection laws. Harassment, coercion, or obstructing my legal rights is prohibited under federal law. 
6. Civil Liability for Noncompliance ( 15 U.S.C. 1681n ) : XXXX  willful noncompliance entitles me to statutory damages of {$1000.00} per violation per CRA for unauthorized reporting and disclosures. 

Concerns Regarding Retaliation XXXX XXXX XXXX executive office has allegedly engaged in retaliatory actions, including : Attempts to coerce or intimidate me into withdrawing legitimate disputes. 
Harassment or verbal threats regarding my accounts and credit standing. 
Obstructing my ability to exercise my rights as a consumer under federal law. 

These actions are not only unethical but illegal under 15 U.S.C. 1692d and other consumer protection statutes.

Company response to consumer: Closed with non-monetary relief