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: KY

Complaint narrative:
I am filing a complaint against CashApp ( 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, they're dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek Financial redress for these violations.

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: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlight 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 tracking these transactions was unfeasible. The CFPBs 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 consumers safety.

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: IN

Complaint narrative:
I am 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 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 user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had problems sending my payment it wasnt showing up I got scared I thought I was going to loose my money but I kept messing with it and the party on the other finally received it but when they had to return my deposit it took Three days for me to get my money back

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I would like to be reimbursed for the reported transactions.

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

Complaint narrative:
Direct deposit from my paycheck is not showing in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Phillips & Cohen Associates, Ltd.
State: KS

Complaint narrative:
Breach of Arbitration Clause : Based on information from my credit report, I identified the alleged original creditor. While I am unfamiliar with this account, I discovered through the CFPB database that the creditors agreement includes a binding arbitration clause.

I am 100 % certain that I have not participated in any arbitration arrangements or mediations regarding this account.

The debt collector refuses to provide the original contract containing the arbitration clause and has acted in bad faith by initiating collection and reporting activities in violation of the agreement.

2. Failure to Validate Debt ( FDCPA 1692g ( b ) ) : No valid documentation has been provided to establish the debt collectors legal right to collect. Validation requires : The original signed agreement identifying me as the debtor. 
A chain of title proving ownership transfer of the debt. 
Billing statements alone do not constitute lawful validation of a debt. Courts have consistently ruled that debt validation requires contractual evidence showing liability. ( SeeSpears v. Brennan, 745 N.E.2d 862, Ind . Ct. App. 2001, which holds that a billing statement is insufficient validation as anyone could generate such a document without proving a legal obligation. ) 3. Lack of Debt Validation Notice ( FDCPA 1692g ( a ) ) : The debt collector failed to issue a validation notice within five days of initial communication, depriving me of my right to dispute the debt.

4. Improper Credit Reporting ( FDCPA 1692g ( b ) & FCRA 1681s-2 ( b ) ) : The debt was reported to credit agencies without proper validation, violating FDCPA and FCRA requirements to ensure accuracy before reporting. 
XXXX. Failure to Respond ( Estoppel by Silence ) : The debt collectors failure to respond to lawful requests for validation bars further collection efforts.

Billing statements are not valid debt validation. Proper validation requires the original signed agreement and proof of assignment, as billing statements can be fabricated using personal information. Without these documents, the debt collector can not prove their legal right to collect. Furthermore, the arbitration clause in the creditors agreement invalidates collection or reporting activities unless arbitration is pursued, which has not occurred, making these actions unlawful.

Resolution Sought : I request the CFPB to take immediate action to compel the debt collector to provide the required documentation and ensure compliance with all applicable laws.

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 have yet to receive my deposit from my job. Normally I get the money deposited into my account Thursday morning and I have yet to receive it. I tried to get a hold of capital one but the wait time was over 120 minutes. I received a email saying theyre having technical difficulties and will try to resolve the issue by Friday morning, well its 7 pm and I have received no updates. I have bills to pay and its really frustrating that this problem isnt happening to only me but multiple other people as well. My account is overdrafts due to capital one not processing my direct deposit on time.

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: Possible Financial Inc
State: TX

Complaint narrative:
In XXXX of 2024, I found on my credit report that this account XXXX ... is listed as a closed account with a balance of {$600.00} but, the account is listed as a charge off / loss. I have not received a 1099-C to report this as income. While this debt has been charged off, I am still receiving calls attempting to collect payment for a debt that has been charged off.

Company public response: Company disputes the facts presented in the complaint
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing a complaint against XXXX filing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, XXXX typically respond in XXXX hours that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that XXXX complies with the federal law and provides consumers with the necessary proof of investigation.

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: 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 a complaint against XXXX filing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, XXXX typically respond in XXXX hours that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that XXXX complies with the federal law and provides consumers with the necessary proof of investigation.

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

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. Thank You.

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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Did not properly investigate disputes regarding things on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within XXXX business days pursuant to section XXXX of the Fair Credit Reporting Act. I am a victim oXXXX XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Address - XXXXXXXX XXXX  XXXX XXXX, XXXX, GA, XXXX XXXX XXXXXXXX XXXX - 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 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing this complaint in regard to an inaccurate item on my credit report which is negatively affecting my credit. Despite my efforts to resolve this matter directly with the reporting agency, it remains unresolved. I am requesting immediate investigation and removal of this item, as it is incorrect. 
Name : XXXX XXXX Account : Caine & Weiner Amount : {$1400.00}

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: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request your assistance in resolving an issue regarding the account listed on my credit report under the name XXXX XXXX XXXXXXXX XXXX This account was opened on XX/XX/year>, and appears to have been reported inaccurately. Specifically, I was not of legal age at the time of opening this account and therefore, I should not have been permitted to open the account. 

Despite multiple attempts to have this matter corrected directly with the reporting company, they have refused to remove the account from my credit profile. Additionally, the account has been listed on my credit report for more than XXXX years, far exceeding the legally required time frame for account retention under the Fair Credit Reporting Act ( FCRA ), which mandates that negative information be removed from a consumers credit report after XXXX years. 

According to the FCRA, any information reported to credit bureaus must be accurate, and any incorrect or outdated information must be corrected or removed in a timely manner. The inclusion of this account on my credit report constitutes a violation of these provisions, and I am requesting that you intervene and ensure that it is removed promptly. 

I appreciate your prompt attention to this matter and request that you contact the relevant parties to ensure the immediate removal of this inaccurate account from my credit report. 
. 

Thank you for your time and assistance. 
.

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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally request your assistance in resolving an issue regarding the account listed on my credit report under the name XXXX XXXX XXXX XXXX This account was opened on XX/XX/year>2016, and appears to have been reported inaccurately. Specifically, I was not of legal age at the time of opening this account and therefore, I should not have been permitted to open the account. 

Despite multiple attempts to have this matter corrected directly with the reporting company, they have refused to remove the account from my credit profile. Additionally, the account has been listed on my credit report for more than XXXX years, far exceeding the legally required time frame for account retention under the Fair Credit Reporting Act ( FCRA ), which mandates that negative information be removed from a consumers credit report after XXXX years. 

According to the FCRA, any information reported to credit bureaus must be accurate, and any incorrect or outdated information must be corrected or removed in a timely manner. The inclusion of this account on my credit report constitutes a violation of these provisions, and I am requesting that you intervene and ensure that it is removed promptly. 

I appreciate your prompt attention to this matter and request that you contact the relevant parties to ensure the immediate removal of this inaccurate account from my credit report. 
. 

Thank you for your time and assistance. 
.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-19 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 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 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: Experian Information Solutions Inc.
State: TN

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 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have almost XXXX hard inquiries that I dont recognize and or approve of

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have almost XXXX hard inquiries that I dont recognize and or approve of

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

Complaint narrative:
I am filing a complaint with the CFPP regarding capital one failure to deposit my direct deposit from my employer. Capital one has a 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 and investigating this management to ensure my rights are upheld. Thank you. My company sent the funds and I was supposed to have them on Thursday. It is now Friday night at XXXX PM and I still do not have them. I can provide more documentation if needed.

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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian has not met its legal obligations under the Fair Credit Reporting Act ( FCRA ) to properly reinvestigate disputed items on my credit report, leaving inaccurate or unverifiable accounts unresolved. Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. These problems mirror my experience, where Experian has neither corrected nor removed disputed items despite the evidence I submitted, continuing to harm my credit. I am requesting immediate action to either remove the disputed accounts, as Experians failure to act 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