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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX mortgage was on a loan modification and Experian failed to do proper research and put inaccurate information on my credit profile regarding XXXX XXXX  mortgage.Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports : Experian has failed to implement basic matching tools that prevent or greatly reduce the likelihood of reinsertion by a new furnisher of a previously deleted tradeline. Instead, Experian improperly reinserts inaccurate information into consumer reports because it fails to match newly reported information with records of previously deleted information. Consumers who have disputed the accuracy of an account and thought that their consumer report had been corrected, instead see the same inaccurate information reappear on their consumer report without explanation under the name of a new furnisher. 
In addition to alleging violations of the FCRAs requirements, the CFPB alleges that Experians faulty dispute intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the Consumer Financial Protection Acts prohibition on unfair acts or practices.

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: CA

Complaint narrative:
My concerns with Zelles handling of disputes inline with the newest lawsuit

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: RI

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 costumer service and unfair practices which violate the ( 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 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: CA

Complaint narrative:
My direct deposit is not in my account. Capital one states computer glitches.

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: AL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has failed to provide me access to my direct deposit sent by my employer for 3 days ( currently ), its being stated this glitch in their system could last as long as 7 days or more. This glitch happened to thousands of customers.

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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
on several occasions until just recently. Zelle did not have any disclaimers posted before sending cash to another party stating that you will not be able to get your money back if you sent your money to the wrong party.

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 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: MORGAN STANLEY & CO. LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, Morgan Stanley E-Trade charged a {$15.00} fee to my Max-Rate Checking Account. On XX/XX/XXXX, I spoke with a customer service representative who explained that the charge was a Service Fee due to insufficient funds. I requested a refund for the fee, but my request was denied. 

I have held this account for several years without incurring any fees. The representative informed me that the policy had recently changed in XX/XX/XXXX, and mass emails were sent out to notify customers. Unfortunately, I did not receive the emaillikely because it went to my junk folder. I asked for a courtesy refund and even requested to speak with a manager, but my request was not accommodated. Consequently, I decided to close the account. 

Referring to this charge as a " service fee '' feels misleading, as Morgan Stanley E-Trade did not actually provide a service. Is deducting money from my account really considered a service? This fee feels more like a predatory " junk fee '' rather than a legitimate charge. I was taken by surprise and believe that Morgan Stanley E-Trade should have offered a courtesy refund. Im confident that other customers are similarly impacted by this practice. Overall, this experience feels unfair.

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:
Direct deposit delayed from XX/XX/XXXX Did not get an email about the outage until XXXX XXXX XXXX Still waiting for funds on XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 ( 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 redres : 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: TX

Complaint narrative:
Last year XXXX  cashapp stole XXXXXXXX XXXX from my acc and did not want to process my refund and I had no way to contact or speak with a agent

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:
I am writing a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and I request and investigation into my account transactions.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically cash app failed to take timely and Effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: 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 Fanacial Protection Act ( CFPB ) Specifically, cash failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute relolution 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 finacialnloss 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: CA

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 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 2025-01-17 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 have banked at capital one for many years. I currently have a checking account, 2 savings accounts, a credit card account, and an auto loan. I was recently paid by two different jobs utilizing direct deposits, one was supposed to go to my checking account and the other was supposed to go to my savings account. As of XX/XX/year> I have received no deposits but I possess the paycheck stubs showing that I was paid into these accounts. Upon research, I am finding that many consumers are having the same issue. I received an email at XXXX on XX/XX/year> with a vague message stating that they were having a system issue that was impacting deposits. My problem with this is that I have no money, bills are due and I have several that will impact my life, including my car insurance being cancelled, payments that were coming out of my account today, and disconnection of my electricity. I have currently as of XX/XX/year> at XXXX have been on the phone on hold for approximately 2 hours. This has cause me severe emotional stress plus the fact that I am incurring fees for disconnects, cancellations, and not having money to meet my personal needs. I was not even able to get dinner for my children last night. I have worked 160 hrs between two jobs and not a XXXX is in my account as a result of whatever capital one has going on. This is not ok. Also, the fact that this is going into the weekend of a federal holiday.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
On XX/XX/XXXX I submitted an order via Apple 's iOS app 'Apple Store ' and paid using Apple Pay. I authorized and was charged {$45.00} as expected and reflected on my receipt. However, when the charge posted the merchant, Apple, edited the charge to {$110.00}. 

On XX/XX/XXXX I reached out to Apple attempting to resolve the issue I was told " the amount you mentioned, {$110.00}, corresponds to the total sales tax. '' I explained that this is inaccurate, that I did not authorize {$110.00} and that my receipt total even indicates I was to be billed {$45.00}. They refused to correct the issue, just discontinued responding in our conversation, so I initiated a dispute with my credit card provider - Apple Card. 

Later, XX/XX/XXXX I contacted Apple Card support and disputed the difference in what I was charged vs what I authorized, which was {$68.00}. I provided my receipt from the transaction and screenshots of my interaction with the merchant. I was notified via email the dispute status had been updated to " Accepted and Opened '' and that a resolution would be provided no later than XX/XX/XXXX. 

On XX/XX/XXXX I was notified via email by Apple Card Support that the dispute status had been updated to " Merchant Responded '' and that a resolution would be provided no later than XX/XX/XXXX. 

On XX/XX/XXXX I was notified via email by Apple Card XXXX that the dispute status had been updated to " Completed ( Disputed charge ( XXXX ) will remain ) ''. 

On XX/XX/XXXX I requested an appeal and was notified via email by Apple Card Support that the dispute status had been updated to " Accepted and Re-Opened '' and that the investigation would be completed no later than XX/XX/XXXX. 

On XX/XX/XXXX I was notified via email by Apple Card Support that the dispute status had been updated to " Completed ( Disputed charge ( s ) will remain ) ''.

I also would like to note that I feel this issue would have been resolved months ago had I used any other credit card provider for the transaction, or if the merchant wasn't Apple. This is a billing discrepancy on Apple 's end and was paid for using the Apple Card, which as we all know is Apple 's branded card.

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: AR

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 proce 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 and errors.

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 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 redres : + 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: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Sofi Bank has restricted my account since XX/XX/year>. They questioned me about some wires that were deposited last month, but only did once I tried to access some of the money. I have called several times and they say they are taking more time. I am okay with investigating because I have been the victim of wire fraud, however, two weeks without access to my funds is excessive and they have had a reasonable amount of time to investigate. They have not asked me for any further information from the wire senders to verify on my side.

Company response to consumer: Closed with explanation