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: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Im writing to formally express my concerns regarding Zelles handling of disputes, particularly in the 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 tracking these transactions was infeasible. The CFPBs 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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX SS # XXXX DL # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX : XXXX XXXX, 2024 Finance/Personal XXXX Inquiry : XXXX XXXX, 2024 Automotive XXXX  XXXX XXXX : XXXX XXXX, 2024 Miscellaneous I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately! 

XXXX 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 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 the light of the recent CFBP lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution, and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and tracking these transaction was unfeasible. The CFBPs finding indicates that Zelle not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving user vulnerable to scams. The 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
I filled out for a XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. After processing my information, I was sent the attached email. When I contact Chex Systems, I could not find out why this information was in on report or by who. I believe it to be XXXX 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 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was a victim of identity theft and fraud & disputed all of the accounts on my credit report with evidence that it wasn't me that opened those accounts but XXXX would not remove the accounts from my credit report. I don't believe that they conducted a thorough enough investigation to confidently come to the conclusion that they came to or they didn't investigate at all. I also have reason to believe that it originated from the data breach in the first place.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I was a victim of identity theft and fraud & disputed all of the accounts on my credit report with evidence that it wasn't me that opened those accounts but XXXX would not remove the accounts from my credit report. I don't believe that they conducted a thorough enough investigation to confidently come to the conclusion that they came to or they didn't investigate at all. I also have reason to believe that it originated from the data breach in the first place.

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 — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is having issues with a third party vendor and HAS NOT disbursed my hard earned paycheck from work. This is absolutely unacceptable that a bank as big as CP is not held to standard. I have bills to pay that I will now I currently late fees for because of their failure to protect consumer funds.

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 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NM

Complaint narrative:
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.

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: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
My problem is with Barclays -jetblue credit. The jetblue merchant charged my credit card XXXX time in a row on the same day. Almost a {$1000.00}. I disputed the charge due to the fact I did not make this purchases. They were all fro jetblue. I m assuming for making a set change. I had requested to down grade XXXX seats I had tried to do it my self but the website was glitchy and bounced the seats back and forth, so I called jetblue and they made the adjustments for me. Never was I told there would be a charge. The stated they would refund me the difference for going from higher paid for seat to lower price standard seat. When I arrived home from my trip there were XXXX charges XXXX at {$99.00} and XXXX charges for $ XXXX called Barclays to start a dispute with they cancelled shy of 48 hours then I asked for a fraud review which they said they would open but instead if opening it for the XXXX charges all made on XX/XX/XXXX they went into my account and marked charges and payments I had made a month and XXXX month prior messing up my entire account. I spoke to a fraud investigator who said she would get it straightened it out and make sure the proper charges were marked. That did not happen and in random amounts they had started post charges to my account with no explanation. Which I paid because I was afraid it would mess up my credit. I have paid off all of the total amount of those charges combined, and I have started get charged for them again. Two more charges of {$99.00} have posted on my account which I paid and then today XX/XX/XXXX another one of those fraudulent charge showed up on my statement and the post date was XX/XX/XXXX. Barclays messed up my entire account got paid, never helped my get those charge removed and now they are randomly posting charge to my account again. I have not used this account since XX/XX/XXXX and have paid for all of the XXXX charges I should never have been charged by Jetblue airlines and Barclay did nothing but make things worse. Thank you, 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 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: MN

Complaint narrative:
A payroll deposit that was sent has not been added to my account. The bank is blaming a 3rd party vendor and taking no responsibility for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Zelle advised monies would be available and they stated no and funds were available late. Zelle has also sent money to wrong recipient without help getting monies. {$250.00} is the amount in question

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. XXXX 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 2025-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing in regards to fraudulent activity reporting on my credit report. This debt is not mines and it is stopping me from being able to provide for my family. I pursuant to FCRA15 U.S. Code 1681c2 that Experian block all of the accounts, collections, and hard inquires identified in this CFPB complaint from my consumer credit profile within 4 business days of receiving this complaint. This debt was a result of identity theft. I have enclosed a copy of my FTC Identity theft report ( FTC REPORT XXXX ) to support my claim. As required by FCRA15 U.S. Code 1681c2 block this fraudulent information from my credit report immediately. I have been disputing these items for months and Experian does not want to give me a solution.

******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS

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: IN

Complaint narrative:
As of Wednesday the XXXX of XXXX I havent received my direct deposit. I called capital one they told me it was my employers fault at first. next day comes around and i have to do XXXX step authentication to get into the app everytime until i deleted XXXX XXXX  XXXX that had access to my account. we didnt receive a emails or office statement until Thursday saying everyone should have there deposits thursday night and friday morning. This is by far the worst experience i have had with a bank. they dont answer the phone and they dont have any answers regarding peoples money i have bill i need to pay i am a college student this is not okay.

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 sales 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 intuition 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 others vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concern 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: Early Warning Services, LLC
State: VA

Complaint narrative:
Im writing to formally request my concerns regarding Zelles handling disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institute 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 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 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: SC

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 24hrs 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB takes action to ensure Equifax complies with federal law and provides consumers with the necessary proof of an investigation.

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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been with Oportun for 5 years and am at the end of my personal loan. I requested an extension on XX/XX/XXXX. The messages are recorded between I and " XXXX XXXX XXXX. This extension rolled over XXXX payments for XXXX to the end of my loan. The contract states that interest will still occur but that the payments are deferred. I agreed to the contract and it was generated on my account. The contract states that another extension may be requested if needed. 

On XX/XX/XXXX a second contract was obtained from XXXX XXXX. The contract I received was the same as the last where now a total of XXXX payments were deferred to the end of my loan and my maturity date is XX/XX/XXXX. I then made a {$220.00} payment on XX/XX/XXXX as per the Oportun automated system requested I make. My regular payments are {$110.00} every XXXX weeks. 

My credit reporting for XX/XX/XXXX now shows " 30 days late '' on my Oportun which is not accurate. 

On XX/XX/XXXX I called and spoke to a live representative who stated that she ONLY saw an extension for XX/XX/XXXX and not XXXX. After several minutes she stated she located the extension for XXXX mentioned IN THE NOTES of the account, but that the extension was not placed into Oportun 's system, causing the error and causing the account to be marked delinquent via reporting. I spent approximately XXXX minutes speaking to this representative to repeated that the extension was noted, BUT NOT entered into the Oportun pay system. I still have the contract that states it was. The representative also asked ME what my maturity date was per the contract as she did not see the information. I have never had ONE missed payment in 5 years and this is clearly, as stated by the rep, their fault. I have the contract in hand as evidence to have this 30 day hit deleted.

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

Complaint narrative:
( 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: Early Warning Services, LLC
State: SC

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 of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian should ensure that my correct personal information is reflected on my credit report. The report incorrectly lists me as " Self Employed, '' and the correct employer is " XXXX XXXX XXXX XXXXXXXX '' This inaccuracy violates the requirement for maximum possible accuracy under 15 USC 1681e ( b ), which mandates that only correct and authorized information be provided. Failure to correct this information may constitute willful noncompliance under 15 USC 1681n, which allows for damages of up to {$1000.00} per violation. I request that this correction be made promptly. Thank you for your attention to this matter.

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