vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 
Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX A Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$100.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$960.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$960.00} Account Name : XXXX XXXX XXXX XXXX XXXXccount Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$100.00} Account Name : XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$2100.00} Account Name : DIS XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$830.00} These items are either reported incorrectly or have already been resolved, so I ask for a thorough investigation and correction. I've reached out to the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documents and screenshots of my credit report to illustrate the inaccuracies and support my claim. Please address this matter promptly and update my credit report to reflect accurate information.

Company response to consumer: Closed with non-monetary relief
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:
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 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 users vulnerable to This lack of accountability and transparency is scams.unacceptable and raises serious concerns about consumer.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under Fair Credit 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 responds, 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 provide, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to removed or amend the disputed accounts, as Including XXXX, Transunion and XXXX 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 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under Fair Credit 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 responds, 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 provide, causing ongoing harm to my credit standing. I'm requesting immediate corrective action to removed or amend the disputed accounts, as XXXX XXXX, XXXX and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

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: IN

Complaint narrative:
I cant pay my rent or receive any direct deposits on my capital one bank account and if I dont pay my rent today I will be kicked out I have late fees due to this bank as well this is not okay and have not been resolved I want full access to my account along with a reimbursement!!

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: PA

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 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 Experian 's inaction violates federal law and my rights as a consumer. 
I want the CFPB to publish description on consumerfi gOV

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 this 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complain regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

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: IL

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 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 — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
Getting charged overdraft fees non stop when the app shows i have money when I don't.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
I initiated a dispute on my Square card and the dispute department within square cancelled the use of my card. When I called in to speak with a supervisor, they hung up on me repeatedly ( 15 calls ) for over two hours. I have requested access to the funds they are holding in my account and they continue to refuse to communicate with me or allow access to the funds within my account.

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: CA

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXXXX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed Inquiries in Dispute :XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
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: OH

Complaint narrative:
I went to print my capital one tax form and noticed there was only {$1200.00} or so in income. I have approx $ XXXX in this account I was completely shocked to See the rate was less than 1 %. And it should have been in the 4+ % range. I am XXXX as it cost me approx XXXX in earnings.

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: LA

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 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

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: NC

Complaint narrative:
Experian has failed its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward comsumer 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, and has made worse 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 Experian 's 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: Early Warning Services, LLC
State: IL

Complaint narrative:
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 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 users vulnerable to scams.

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:
Cash App, has allowed my account to be hacked and stripped of all funds. As apart of me contacting Cash App, I was told that I personally sent money to the hackers and that information was not true. 
As apart of this I created another Cash App account and my personal information was breached and fake accounts and pages were made under my name. As a result of that Cash App flagged my account.

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: MS

Complaint narrative:
I am filing a complaint again Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection at ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did apply for error resolution requirements under the Electronic Fund Transfer Act. ( EFTA ) and Regulation E.Theses action have caused significant inconvenience and financial loss, and I see 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: GA

Complaint narrative:
I am filing a complaint with CFPB regarding Capital Ones '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 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. 

I tried to contact the bank several times, with the wait time being 120 minutes then when you do get through to an agent they hang up on you. I tried reaching out through the website but you only get a bot. 

Thank you.

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: IN

Complaint narrative:
I am filing a complaint with 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 as it requires timely access to funds.

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: Volvo Car Financial Services U.S., LLC
State: NY

Complaint narrative:
I am writing to formally dispute a late payment entry that appears on my credit report. This inaccurate information is harming my creditworthiness, and I am requesting that you investigate and correct this error promptly in accordance with the Fair Credit Reporting Act ( FCRA ). 
Details of the disputed item : Creditor/Lender Name : XXXX XXXX Account Number : Ending in XXXX Date of Alleged Late Payment : XX/XX/year> I believe this late payment entry is incorrect because I made the payment on time, as I have for the last 2 lease terms. I called XXXX to state that the funds were not debited from my account mid-month. I then sent two payments to avoid any problem. I sent supporting documentation of the canceled checks. 
I have disputed this in writing and online with no luck at all.

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: FL

Complaint narrative:
Funds was in my account but keep charging me and made a account go to negative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation