vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to 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 protect fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and descriptive, 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, 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX I mailed a letter to the bureau asking them to valid the accounts XXXX and XXXX XXXX XXXX XXXX XXXX. I received a stall letter telling me they received the letter but it didn't appear that I give proper authority to the third part that sent the letter. So I called XX/XX/XXXX and spoke with XXXX who had very bad comprehension skills. She seem to not understand what I was talking about. I asked about the letter and she was talking about inquiries. I asked her to tell me what the letter reads she then put me on hold and hung up. I called back spoke with someone named XXXX I explained the situation she then wanted to get condescending because I told her the representattive didn't comprehend well. She said that they had expedited the dispute. I asked her about the letter she said she couldn't see the letter that the only people that can see the letter is the company which received the letter. I asked who received the letter she couldn't tell me that she said I should know. I told her she should know I wouldn't know but I do know it was received because I got a response from them dated XX/XX/XXXX. So what happened to the dispute letter I send out XX/XX/XXXX? XXXX put me on hold then hung up as well because the questions I was asking about the letter they couldn't answer.

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

Complaint narrative:
Apparently, Capital One has had some sort of technical issue with electronic deposits for paychecks. My money is always there on Thursday from my employer, but this week, the money has not been deposited and today ( my actual payday ), the money is still not there. I have no way to pay my bills and no way to know where the money is or when it will be posted. I have tried and tried to call Capital One, but I can't get through and there has been very little information provided about the issue or a timeline of when it will be fixed.

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: NJ

Complaint narrative:
On Thursday, XX/XX/XXXX, the direct deposit for my weekly pay did not appear in my account. I verified that it was submitted and received by CapitalOne through my payroll department at work. I called CapitalOne on Thursday afternoon, and that is when I was made aware of a technical issue with a third party vendor. The representative was unable to tell me what the problem is, what caused it, when it is expected to be resolved, and who the vendor is. They were only able to say that it was a technical issue. It is now over 36 hours since that deposit should have been applied to my checking account, and I have received no follow-up or information from CapitalOne, except for one generalized email that there was a technical problem that was expected to be resolved by this morning. At this time, I have no way to obtain updated information, I have no idea where my money is, and I do not know who is involved in this issue and what the problem is. Was there a breach? A hack? Is my information secure? When will my deposit be secured? XXXX information is coming from the company.

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 — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against capital one regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital one misrepresented the 360 savings account as having one of nations 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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Still have not received my direct deposit from my employer. Employer provided the information that they have submitted everything correctly. My pay stub even said the direct deposit was sent to capital one account. But there is so direct deposit and its now been 3 days.

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 Cas App ( Block , Inc ) due to 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 see 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fail Credit Reporting Act ( FCRA ) to conduct a reasonable re- investigation of disputed information on my credit report, leaving it inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax a legend, systematic issues such as failure to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm of my credit standing. Im requesting immediate corrective action to remove or amend disputed accounts as Equifax in action violates federal law and my rights as a consumer.

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: NC

Complaint narrative:
Capital one has had issues causing direct deposits to be delayed and held until an indefinite time. In todays world money is a necessity and here I am having to fight to figure out where my funds are and when theyre gon na be processed. Gon na suffer from disconnections and late fees.

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: WA

Complaint narrative:
I am filing a complaint with the CFPB regarding my 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 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: 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: AL

Complaint narrative:
Experian has failed to fulfill legal obligation under the Fair Credit Reprt Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, A leaving inaccurate or unverifiable accounts unresolved Yeah. The Consuner Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishes accepting Want to come to my home? unreliable responses and failing to adequately notify consumers of disputes 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 dispute accounts as experian 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: GA

Complaint narrative:
I am writing to informally express my concerns regarding XXXX handing 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filling a complaint against Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices which violates the consumer financial protection act ( CFPA ). Specifically in Cash App fail to take timely and protective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. For the more their dispute and 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 I am seeking appropriate redress for these violations to my account.

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 CapitalOne 's failure to deposit my direct deposit from my employer. CapitalOne has cited technical difficulties with no further information or ETA for my direct deposit, 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 assistance in investigating this matter to ensure my rights are upheld. Thank you for your time.

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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My direct deposits post on Wednesday. I still have not received my paycheck today which is Friday. I was promised this would be resolved but it still has not been. Now they are not answering the phones, or responding on social media. I am late on payments and bills will cause me late fees and the bank has said they are. it issuing credits. My money is supposed to be backed by FDIC and I need my {$1200.00} immediately.

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 XXXX University graduate student stipend for the XXXX semester was deposited to my Capital One checking account as a lump sum. The fund was approved by my university on XX/XX/XXXX. I expected to receive the fund by XXXX on XX/XX/XXXX at most. Unfortunately, when I didn't see the money around XXXX, I called the Bank and they assured me that they are having technical issues and I should give them a couple of hours. By the end of the day, I still hadn't seen my money. That was when I saw on social media that the bank had been down since XX/XX/XXXX, and there was no communication from the bank to that effect. As I write this report by the close of workday on XX/XX/XXXX, I still do not have access to my money, nor is there any exact timeline from the bank. This is the money that my entire family relies on, and I have scheduled payments that are due within these days. Worse still, this will be a long weekend since Monday is a XXXX XXXX, and it looks unlikely that we can receive the funds before Tuesday. 
Capital One has been unprofessional, callous, and unsupportive in handling this matter. At minimum, customers should not have to bear the consequences of the bank 's brazen and exploitative practices, as is evident in the latest federal lawsuit against the bank. This is another case of how Capital One treats its 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: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App XXXX 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 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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am a capitalone bank user and my direct deposit is schedule for Thursday and Thursday I didnt receive my payment from work. I contacted capital one and they said that there are system errors I should see my deposit soon in the day of Thursday but than later on I was told no later than Friday morning I still havent received my payment or answers my rent is late my son needs groceries this isnt right

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: WI

Complaint narrative:
I am XXXX complaint against Cash App ( blocked, 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. For the more the dispute resolution process was unfair and very deceptive, as they did not comply with error resolution requirements under the requirements of electrical fraud transfer act. ( EFTA ) in 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:
I get paid every Thursday, as of XX/XX/year> I did not receive my direct deposit. Its been over XXXX hrs of no money put in my account, not able to use my debit card. Also they arent answering the phone for customer service, over a hour of wait times. They have been withholding funds for days now. Saying its a third party vendor issue.

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 payroll direct deposit that was expected on XX/XX/year> did not appear in my checking account. I never received any notification from the bank and then found out from news reports and social media about an outage affecting thousands of customers. I called the bank customer service to find out what's going on and they were not able to provide any information other than it's a " temporary technical issue '' but not able to provide any ETA on resolution. All I see on social media are pre-scripted responses from them that tell you nothing. It's no more than 48 hours and I still dont have access to my funds. Unfortunately, I like many others live paycheck to paycheck and rely on the funds to pay obligations, shop for groceries, put gas in my car and other daily necessities. It is hard to believe that such a large organization does not have contingencies / redundant systems in place for these types of issues. They have failed their customers miserably! 
Please also note that calling their customer service number results in very long wait times of an hour or more and then sometimes disconnects once you are about to speak with someone.

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: CA

Complaint narrative:
Subject : Formal Complaint Against Cash App ( Block , Inc. ) To Whom It May Concern, I am filing a formal 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 has 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 has been both unfair and deceptive, as they have not complied with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

As a result of these failures, I have experienced significant inconvenience and financial loss. I am requesting appropriate redress and resolution for these violations. 

Thank you for your prompt attention to this matter.

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 CFPB regarding Capital One failure to provide my funds that were direct deposit from my employer and any other deposits. Capital One has cited technical issues which violates Electronic Funds Transfer Act ( ETFA ) which requires funds be available in a timely matter. This matter raises concerns as a consumer protection under the law. I request your assistance in investigating this matter to assure my rights are not being violated. 

Thank you in advance

Company response to consumer: Closed with explanation