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: NC

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 despite resolution processes 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 myaccount vulnerable and unprotected.

Furthermore, their dispute resolution processwas unfair and deceptive, as they did notcomply 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 — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I was supposed to receive my check on Wednesday the XXXX waiting on that deposit. It never came so on the XXXX I noticed that it still was not in my account so I reached out to capital one capital one then inform me that they were having issues with some of their services and they are sorry for the inconvenience. I asked why didnt I receive an email making me aware of this situation. I have bills I need to pay that were scheduled to come out of my account. I have a townhome that I had to pay a deposit for in order for him to hold it for me now someone else can actually take that because my funds did not come like they were supposed to when I set up direct deposit with Capital One. I was insured that I would not have problems with direct deposit or receiving my funds and now it is happening. I reached out to Capital One XX/XX/XXXX four times throughout the day. I was told each time that they could not do anything and that I would just have to wait. I then called last night once I got off of work XX/XX/XXXX at approximately XXXX XXXX  I spoke to a supervisor that informed me that I would be able to Use overdraft to access some funds so I can get some things paid well that wasnt true because that did not work and that tactic was to get me off the phone, but I was made aware that this issue would be fixed by morning time on the XXXX it is now the XXXX at XXXX XXXX  and I still have not received my direct deposit. My bills companies are not understanding when you have a payment arrangement set up. I was told that they will pay late fees, but they will not pay big fees like $ XXXX {$800.00} if so, this has put me in a bind and pain and suffering and this is just ridiculous. I work too hard for me not to be able to access my money on time and now Im putting in a situation where bills are going to be cut off and missing opportunities on a townhouse that I have literally been working to get for a month now all of that hard work down the drain due to Capital One not taking this serious and I understand that they have another lawsuit already that theyre going through so its kind of ironic that now our funds are being tied up. Then what made it worse is for me to have told that representative the last one that I spoke to the supervisor that I havent received any emails about this situation since its happened I was actually told by the first representative that I talked to on XX/XX/XXXX that they dont have to send out an email they theres a banner on the app and like I told them an email is more effective and professional. But then I receive the email at XXXX to XXXX XXXX  XX/XX/XXXX when I had already been affected for a day. This is now going on XXXX days and I just need legal action at this point.

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: GA

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It is unacceptable to have this late payment on my account, given my history of making payments on time. Please remove it and update my account accordingly.

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 — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Thursday XXXX I was supposed receive my direct deposit through my Capital One 360 account and apparently there's an " technical issue '' that like me has affected thousands of customers getting their paychecks. They sended an email that said that the problem " should '' be " fixed '' by the morning of Friday XXXX but the issue hasn't been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Information on consumer report does not belong to me.

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 service problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc. ) due to inadequate customer services and unfair practices, which violate the consumer 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 funds 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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Old account with XXXX Department store that went bankrupt, there were fraudulent charges in disputed, but the bank the store was dealing with after the bankruptcy would not listen, negotiate and failed to remove the charges. Then sometime last fall I was unfairly sent to collection by Midland Credit Management for the amount of {$1700.00} that grossly exceeded the " {$420.00} expense balance made by me '' that I can recall was due on that account. My fair credit act right was violated. I contacted them via phone left a detailed message citing 15-USC-1692-G no reply. Then I wrote a letter again citing 15-USC-1692-G on XX/XX/scrub>/2024 mailed it certified and was delivered, but never get any response instead MCM reported me to collection. The amount that they claimed is grossly inaccurate, and I asked for the following Debt Validation and as of today still no answer.

Here are some of the points I made and requested ( 1 ) I want you to send me a detailed list of the history of payments made by me on this account. ( 2 ) I want to see the signature that I put on a contract guaranteeing that I pay this creditor. ( 3 ) I am asking to see that, has there been any insurance claim filed on this account. ( 4 ) I want to see proof that you have the chain of title to collect on this debt. Thus, I am seeking help from CFPB for this violation from MCM. I want MCM to take action by sending me a certified letter to forward to the three credits bureau as proof to erase that negativity on my credit report.

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
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: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXF 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 : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate

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: MO

Complaint narrative:
Capital One is hold my direct deposit, going on XXXX hours!

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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: 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: NY

Complaint narrative:
Hello I filed a dispute on Experian for an old XXXX Account which was closed back in XXXX the Account number is XXXX due to the amount being reported is incorrect. My Experian report is showing XXXX different balances which are wrong. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, or correct any information. I'm asking that this derogatory remark be removed immediately as it's affecting my chances getting housing as a XXXX person Experian violates my rights as a consumer, as well as federal laws.

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 status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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: NJ

Complaint narrative:
Capital one is currently holding the direct deposits of thousands of Americans living paycheck to paycheck. I was supposed to be paid on XXXX it is now XXXX  and I have no money in my account. Capital one had XXXX communication to even tell customers there was a problem. There are no updates when you call. They just say its a technical issue. I am hungry and have bills coming out that I will now be receiving late fees and overdrafts for. My credit score will likely be impacted. For no fault of my own. Capital one has been very sketchy and secretive about this issue and it should be illegal for them to keep OUR hard earned money!!! Compensation needs to be provided and accountability needs to be taken.

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

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

Complaint narrative:
I'm filing a complaint against cash app block.ink due to inadequate customer service and unfair practices which violates the consumer financial protection act Cash up failed to take timely and effective measures to adjust and prevent 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 electric fund transfer act and regulation e these actions have caused significant inconvenience and financial loss And I seek appropriate redress or compensation for all these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a called from XXXX XXXX, stating that my Flood policy was cancelled, because my Mortgage company failed to pay in a timely manner, When Flood policy was taken over by the Federal Government, I was Grandfather in at a of rate {$500.00} yearly, with only 18 % increase rate. After investigating and going back and forth with XXXX XXXX and Rushmore mortgage. Rushmore mortgage admitted that it was their fault, that they accidently place my flood policy in a non-payment status and realized their mistake and pay the insurance late. Because of their error, I was cancelled, causing my flood insurance policy to increased from {$840.00} to {$3400.00}. I informed them that I will be unable to pay this amount, because I am currently on XXXX with limited financial resource, My principal and interest mortgage is {$340.00} and I currently pay {$1400.00} in escrow, which makes a totally of {$1700.00} a month. For the record, I have paid as high as {$2200.00} a month. Rushmore stated that they are willing to pay the {$3200.00} this year, because of their error, but that is the best that they are willing to do. I informed them, why should I be penalized for their mistake. This will definitely be a hardship for me. Could you please help me to resolve this issue and hold then accountable for their action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This is a fraudulent account with identity theft. I had my identity stolen on the dark web, with the XXXX and XXXX Data breach, and lost my ID and social security card at the airport. I filed a Police Report and Affidavit for Identity Theft Over 10 accounts were opened in my name. Someone used my Bank Accounts and Stole my identity numerous times over the last several years.

This needs to be deleted immediately it is NOT Mine. Delete and Update my Credit Report to Accurate and Fair Reporting today. Police Report is attached. 
Thank you, XXXX XXXX

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

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 there 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 Electric Fund Transfer Act ( EFTA ) and Regulation E. These Actions have cause significant inconvenience and financial loss and I seek appropriate redress

Company response to consumer: Closed with explanation