vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complain regarding an inaccurate item on my credit report that continues to negatively impact my credit, despite my efforts to resolve this directly with reporting agency it remains unresolved this directly. I request immediate investigation and removal of these items as it is incorrect and dont not reflect my true credit history

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed my credit file and found mistakes in the reporting of several accounts. These errors are having a negative impact on my credit score, which feels completely unfair.

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: 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 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 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: 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:
On XX/XX/XXXX morning I was suppose too recieve my direct deposit from my job, I was suppose too recieve my check at capital one bank account.. I did not received any sort of explanation as too why I didn't recieve my payment, at XXXX XXXX at night on XX/XX/year> capital one sent out a email explaing that there's technical issues and everything will be taken care of as of that night XXXX next morning XX/XX/XXXX XXXX is now XX/XX/year> and there is still no signs of any money or explanation as too why it's taking so long..so I decided too call customer service they stated it would take XXXX XXXX too answer and it's been now XXXX XXXX  that I've been on hold trying too get an explanation

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: TX

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 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: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
I noticed that I was being charged a very large tax & interest rate every other week and questioned why. I was advised it was part of Acima 's policy

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: NC

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 reporting, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection Bureau ( CFPB ) has recently filed a lawsuit against experian, alleging systematic 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 desputed 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 experians 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: Block, Inc.
State: SC

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

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

Complaint narrative:
I am filling a complaint with the CFPB regarding Capital One Banks failure to deposit my direct deposit from my employers and any other incoming deposits. Capital One had cited technical issues, which may violate the electronic funds transfer act 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 — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received the following text message from Portfolio Recovery Associates , LLC Debt Collector ; " Acct XXXX. # MsgsVaries. XXXX & XXXX. Text STOP to stop texts to this #, Help for info. Visit XXXX ''. 
On XXXX I received another text from this company stating ; We want to discuss your debt with us. Visit XXXX or call XXXX. 
On XX/XX/XXXX I received another text from this company stating ; Use our payment calculator to customize repayment options. Visit XXXX  or call XXXX '' On XX/XX/XXXX I received another text from this company stating ; " Choose a payment plan. Visit XXXX or call XXXX I have not contacted this company believing it to be some scam or effort on their part to obtain funds from a fradulent source. I have not purchased any goods or services from a company that I have not paid for and have excellent credit. Please research this matter and respond to me. 

I previously telephoned your office and as instructed am filing this complaint with you.

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

Complaint narrative:
XXXX 
am XXXX 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 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: GA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One Banks failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One Bank has sited 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: 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 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 redressfor 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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:
Starting XX/XX/year> capital one started having direct deposit issues where a large amount of consumers havent received their deposit, I personally was supposed to receive my direct deposit yesterday ( XX/XX/year> ) but have not received it, when I called capital one they gave the same generic answer that they were working hard to fix the issue but are unable to give a factual timeline.

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: GA

Complaint narrative:
My direct deposit was sent XX/XX/year>. I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about 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: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am writing to formally dispute the accuracy of information listed on my credit report regarding the accounts detailed below. These accounts do not belong to me and are inaccurately reported on my credit file. 

Additionally, I was impacted by the recent XXXX data breach, which may have compromised the integrity of my personal and financial information. I have enclosed proof of my involvement in the breach to support my claims.Per the Fair Credit Reporting Act ( FCRA ), I request that you investigate these accounts, verify the information, and correct or remove any inaccurate details from my credit file as appropriate.XXXX CREDIT XXXX XXXX BANK XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX CREDIT BUREAU XXXX 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 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: MI

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 Cashapp 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: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Fundo LLC
State: TX

Complaint narrative:
On about XX/XX/XXXX I applied for a loan with XXXX, XXXX. I received {$600.00} deposited into my account from XXXX, XXXX. The payments were scheduled to be withdrawn on XX/XX/XXXX not be before. XXXX breached the contract and began taking payments before the agreed date ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I called on about XX/XX/XXXX to confirm the agreed scheduled dates and advised the representative that I didn't authorize those transactions. The representative insinuated that I wanted to change the due dates which wasn't the case. I didn't want the payments coming out before the agreed upon date. I also requested for a copy of the original agreement on that day and never received it. XXXX continued to take payments and never sent the contract. About XX/XX/XXXX I stopped depositing money into the account because I became ill and because I never received a copy of the contract. 

XX/XX/XXXX, I received a letter that they would file a UCC Lien against me because I breached the contract. I sent in an email and disputed it and requested for the address to send in payments. I also spoke with a representative again about sending me the contract that I never received. 

I received another email that a UCC Lien was filed dated I believe XX/XX/XXXX and that I had 20 days to respond. I called and spoke with XXXX XXXX in their pre-legal department that stated the balance was about {$2800.00} and I could settle and pay {$2200.00} to remove the UCC lien. She would accept {$500.00} down.

I sent in a demand letter to terminate the UCC Lien, provide me a copy of the contract, payment, history, and court order giving them access to my earnings and accounts. XXXX XXXX sent a copy of the contract, payment history, and a copy of the UCC filing. After speaking with the SOS the UCC filing is for informational purposes and that they must have a court order to garnish my earnings and monies from my accounts. 

This company fraudulent withdrew payments before the agreed date, would not provide me with a copy of the contract or payment history, and then sent fraudulent dates of withdrawls, and sent the lien notices to the rideshare and shopping that I'm contracted to make a living for my family. They withdrew {$890.00} from the account which paid the entire advance received, they breached the account and tried to turn it on the customer. This agreement that they have is outrages in fees and not providing customers copies is illegal. If I had a copy of this agreement there is no way that I would have agreed to this.

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

Complaint narrative:
I am filing a complaint with cfpd regarding capital one bank failure to deposit direct deposit from my employers. Capital one cited technical issues which violates EFTA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Daily calls through out the day the amount is almost XXXX

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:
I would like a full investigation on what is happening with my funds. I want access to my funds immediately and any fees added due to this issue - refunded. I would like the CFPB to also provide their investigation and any fines that capital one would be responsible for.

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: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681, Section 602 stat I have the right to privacy. 15 USC 1681 Section 604 ( a ), section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 ( b ), a creditor may not treat a payment under an open end consumer credit plan as late for any purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Writing to file a complaint against Navy Federal Credit Union. After some investigation and research online, I have heard of several cases wherein overdraft fees were incurred on accounts who initially had the funds readily available, however, once the transactions were cleared, my accounts then stated that there were insufficient funds, leading me to incur a fee. I believe this to be an issue that aligns with the recent CFPB findings. During the time of XXXX - XXXX, I was XXXX XXXX military and stationed overseas and on the east coast, therefore it was more difficult to track these random fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Fund Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer proteccin laws, and I request your assistance in investigating this matters to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation