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: AL

Complaint narrative:
I am writing to formally file a complaint regarding an issue I am experiencing with Capital One. Recently, they have been withholding my direct deposit, which has caused me significant financial hardship. 

Due to the withholding my check on XXXX XXXX, I have been unable to access the funds necessary to cover my essential living expenses, leading to the accumulation of late fees on my bills and negative impacts on my credit score. Despite my efforts to resolve this matter directly with Capital One, I have not received any satisfactory explanation or timely resolution. They are now saying that some accounts might not be resolved until after the holidays.

This situation is causing me undue stress and financial strain, and I am seeking your assistance in addressing this issue. I would greatly appreciate your intervention to ensure that Capital One processes my direct deposit promptly and provides a clear explanation of why my funds have been withheld.

Thank you for your attention to this matter. I look forward to your guidance and support in resolving this issue as soon as possible.

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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting this formal complaint regarding Credit One Banks handling of my account, which was impacted by identity theft. Despite my efforts to resolve the situation, the banks actions have caused considerable distress and inconvenience.

1. Initial Issue : My wallet was compromised on my phone, which resulted in a breach of my personal information. This prevented me from accessing my accounts and made it impossible to make timely payments on my XXXX XXXX XXXX  account. I immediately contacted XXXX XXXX XXXX  to inform them of the situation and submitted an identity theft report, as well as my birthday information to verify my identity. 
XXXX. Attempts to Resolve : I explained the breach to XXXX XXXX XXXX  and was waiting on the reissuance of cards from other banks. Other financial institutions took immediate action to reissue my cards and implement additional steps of verification to protect my accounts. Unlike those institutions, XXXX XXXX XXXX  closed my account, and despite refunding me the money related to the fraudulent charges, they reported the account as delinquent, which negatively affected my credit.

3. Banks Response : While I was refunded the money from fraudulent charges, the account closure and the delinquent report on my credit was inaccurate. At the time of the refund, I had no outstanding balance on the account, and I was actually credited an additional {$39.00} from a late fee refund.

4. Why This Is an Issue : The late payments and the closure of the account on my credit report are not an accurate reflection of my situation. The breach of my personal information prevented me from accessing my funds or making payments until the banks reissued new cards and took necessary steps for verification. Other institutions cooperated and worked with me to resolve the situation, but XXXX XXXX XXXX  actions have caused unnecessary complications.

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 — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I use Capital One. I was supposed to get my direct deposit from my work on XXXX. Capital One expressed they know the issue and stated it would be fixed by XXXX XXXX. It is now XXXX XXXX and I have not received my deposit. I have bills, food, necessities to pay for and I can not. My account is in the negative and I am missing payments.

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: NV

Complaint narrative:
account.

( 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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
My direct deposit has not been deposited in my account because of their technical difficulties. I need my check! Please help

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

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. Thanks

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:
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 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. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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:
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 claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible.The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders exploit the system, leaving users 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 2025-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MD

Complaint narrative:
I lived in this place. It was infested with roaches. I could not eat for all three months that I was there have numerous amount of pictures. They charge me an outrageous price, and I asked for it to be negotiated being as though I still dont have a home because of them selling infested properties to people just to pay the bills They were disgusting. I have pictures a lot of evidence. I asked to negotiate the price so that I am able to rent again elsewhere they didnt do anything about it. They were very rude and it is unfortunate because I had to live in those conditions and they did not care. They let me get out the lease and put that I owe them that amount of money which they tend to change every XXXX weeks on my credit the price goes up, i didnt eat for 4 months because roaches were in my kitchen

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 am filing a complaint with the CFPB regarding Capital One '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 Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about customer 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: 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 recent CFFB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my final institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFFBs finding 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 and transparency is unacceptable and raises serious concerns about consumer safety.

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: ROBINHOOD MARKETS INC.
State: ME

Complaint narrative:
I made a purchase of a bar cart I saw on XXXX for {$99.00}. The company advertising the bar cart was XXXX. I received an email receipt from XXXX with the order confirmation shortly after purchase on XX/XX/XXXX. 
On XX/XX/XXXX, at XXXX I received a fraud alert from Robinhood Credit Card regarding suspected fraudulent charges from XXXX XXXX XXXX  and XXXX XXXX XXXX. I confirmed those charges were not made by me. The purchase for {$99.00} now also comes up as XXXX XXXX XXXX. Robinhood Credit Card is now deemed that the charges they originally identified as fraud, are not fraud. They are fraud and I want all charges from XXXX XXXX XXXX and XXXX XXXX XXXX  removed from my balance.

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:
I am filing a complaint with the CFFB in regards to capital ones failure to deposit my direct deposit from my employer. Capital One has let it be known they are having technical issues, however this raises concerns and questions relating to consumer protection laws. I would like to request your assistance in investigating this matter in order to ensure that my rights are upheld. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I am writing regarding the above-referenced account. Under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt, except as permitted by law.

Under 1692c, debt collectors are required to respect a consumer 's request to cease communication. Therefore, I demand that all communication regarding this account be stopped immediately, unless : You confirm that no further collection efforts will be made, You notify me of specific actions you intend to take, such as filing a lawsuit, or You provide legal notice as required by law. 
This letter does not constitute an acknowledgment of the validity of the debt. If you believe this debt is legitimate, I request full validation of the debt under 15 U.S. Code 1692g ( b ), including documentation that verifies the debt 's validity and your authority to collect it. Failure to comply with this cease-and-desist request may result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) , th
e Federal Trade Commission ( FTC ) , and the Georgia Attorney Generals office for violations of the FDCPA. 
Thank you for your prompt attention to this matter. Please provide written confirmation that you have received this letter and that you will comply with the terms outlined.

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

Complaint narrative:
I have not received my paycheck. I get early pay on Thursdays, with a payday of every other XXXX. Well, when I log into my account, I saw a message that the bank had a technical error and it would be fixed by XXXX  morning. Its after XXXX XXXX  & I have not received my paycheck. My light bill was due yesterday on the XXXX they are now saying I could be disconnected. Car insurance due on the XXXX, car payment due on the XXXX, court payment due on the XXXX, and I need gas for my car. There hasnt been any communication regarding when this issue will be fixed. The wait times are over XXXX minutes & I need my money! This is not ok one bit. Also, I think they have stolen interest from my savings account as well. Capital one bank is the one Im having issues with..

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:
Even when there was no money on my checking out charges were still allowed to go through and I was charged overdraft fees per each occurrence.

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

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with th necessary proof of investigation.

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: PA

Complaint narrative:
Did not receive my deposit from my employer. Contacted my employer directly and the issue is on the banks end. Usually I receive my weekly deposit on Thursday morning but it is Friday evening and my deposit does not show in 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: VA

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 effect measures To prevent And address fraud On all 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 Fraud 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:
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 I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the 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: MS

Complaint narrative:
I AM WRITING TO FORMALLY EXPRESS MY CONCERS REGARDING ZELLE 'S HANDLING OF DISPUTES, PARTICURLY IN LIGHT OF THE RECENT CFPB LAWSUIT HIGHLIGTING SIGNIFICANT ISSUES WITH THE PLATFORM. DESPITE USING ZELLE NUMEROUS TIMES AND REPRTING DISCREPANCIES, MY FINANCIAL INSTUTION AND ZELLE FAILED TO INVESTIGATE MY CLAIMS DEQUATELY. THE INFORMATION ME THAT RECOVERING LOST FUNDS WAS IMPOSSIBLE AND THAT TRACKING THESE TRANSACTIONS WAS UNFEASIBLE. THE CFPB 'S FINDINGS INDICATED THAT ZELLE HAS NOT ONLY NEGLECTED TO PROTECT COSUMERS BUT HAS ALSO ALLOWED REPEAT OFFENDERS TO EXPOLIT THE SYSTEM, LEAVING USERS VULNERABLE TO SCAMS. THIS LACK OF ACCOUNTABILTY AND TRANSPARENCY IS UNACCEPTABLE AND RAISES SERIOUS CONCERNS ABOUT CONSUMER SAFETY ...

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: 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 ar 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. I had filed complaints about scammers and fraudulent charges to the point that I stopped filing because they would always deny the claims.

Company response to consumer: Closed with explanation