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: AL

Complaint narrative:
I am submitting a complaint against Cash App ( Block , Inc. ) for poor customer service and unfair practices that go against the Consumer Financial Protection Act. Specifically, Cash App failed to take prompt and effective actions to prevent and address fraud on their platform, leaving my account unprotected. Additionally, their dispute resolution process was deceptive and did not follow the proper error resolution procedures outlined in the Electronic Fund Transfer Act and Regulation E. As a result, Ive faced significant inconvenience and financial loss, and I am seeking appropriate compensation 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: LA

Complaint narrative:
i am filing a complaint against Cash App ( block, Inc. ) ue to inadequate customer service and unfair pratices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App Faile to take timely and effective Measures to prevent and address fraud on their platform, leaving my account vulnerable an unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fun 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: GA

Complaint narrative:
Im filing a complaint with the CFPB regarding Capital Ones failure to deposit direct deposit from my Employer and other additional 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 upheld. Thank you.

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

Complaint narrative:
I get direct deposit from my job on Wednesday evenings. It is now Friday and no direct deposit has been received to my account also to other accounts that I hold within the bank. Called and spoke to customer service who said it would be corrected by end of day on Wednesday and then again end of day on Thursday and it is now XXXXXXXX XXXX  Eastern standard time on Friday and the direct deposit has yet to be put into the account. Have been given no explanation as to why all they say is technical issues and not truly giving a direct answer into the issue. I am getting repeat denial of payment for accounts that were set up on auto pay through the bank. I am now being charged fees from these companies due to the banks error and not depositing the direct deposit.

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: PA

Complaint narrative:
I have my bank through Capital One, I usually get paid on Wednesdays, it is Friday and I have not gotten my Direct Deposit. They have only sent out 1 email in 24 hours. Some people are getting their direct deposits and some arent. Theyre still taking money from us but not giving us our money. No one is giving answers besides technical issues and they hope its on soon. This is crazy.

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: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which the Consumer Fair 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 Act ( ETFA ) 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: KY

Complaint narrative:
I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving me 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: 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time.

This incorrect reporting has negatively impacted my FICO Score. Under US Law 15 U.S.C. 1666b, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.

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 filling 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'm sure you'll be getting this a lot today or throughout the week, but I'd like to file a complaint against Capital One. As you may be aware of, Capital One is having an outage due to a service provider. They did not announce anything, until the middle of last night on XX/XX/year>, via email. They announce that customer will be having issues with direct deposits, transactions, and any other payments. Apparently, as of this morning, people who normally get paid on Friday, receive their direct deposit. People who get paid on Wednesday night or Thursday morning, like me, have not gotten paid yet. So clearly, this issue has been going on since earlier this week. Many of us live check to check, like me, and a bank holiday is coming up. This is unacceptable and the way they have handled their customers is down right wrong. They will have us on hold, hang out, or not give us a clear answer. Which I understand, but the fact that corporate can not give a clear answer, but automated ones, is not how you treat your customer. As many of us, I have bills to pay and it's nearly lunch time as of XX/XX/year>. I've seen people get different answers about when this issue will be resolved. For gods sake, I work in Payroll and I'm already dealing with some heat on my end from my employees, which I have no control of. I should not have to deal with this, if only their banks had sent out notifications right away! This should be consider a XXXX XXXX. I am deeply upset, and may have to wait until next week ( I hope to god not ) for my direct deposit. Worst case scenario, the direct deposit bounces back ( this can take up to a week ) AND I, MYSELF, will have to redo payroll again just so we can get our money. My husband is also with Capital One, and I have no idea if he'll send in a complaint, but I hope to god he does, because this is ridiculous. I am so sorry you have to read this message, and I apologize if you were effected as well. The fact that I can't even rely on my credit card either, because it's also Capital One, is terrible. And even if I could, Capital One would not even care to pay that back or any fees they claim they'll pay back because of this issue, is terrible! I have learned my lesson the hard way to have a secondary bank as back up, but wow. Just wow. Please excuse me, and I hope you have a wonderful week.

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: EQUIFAX, INC.
State: WI

Complaint narrative:
I found accounts on my credit report that are not mine.

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 usually receive direct deposit from Capital One Bank on Wednesday evening or Thursday morning. I work XXXX jobs and have not received anything. It is XXXXXXXX XXXX here on XX/XX/year> and have not received my deposits in the amounts of {$500.00} and {$250.00}. I was told it should be here by this morning on XX/XX/year>. Capital One has sited technical issues which may violate the Electronic Funds Transfer Act of hi h requires timely access to funds. Can this be investigated.

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: IA

Complaint narrative:
Capitol One is withholding my direct deposit for the 2nd day now. Theyre having system issues and theyre leaving their customers in the dark on when this issue will be resolved. I need access to my money. 2 days is far too long.

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: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unsolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the disputed accounts, as 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint with a CFBP regarding Capital One failure to deposit my direct deposit from my employer and any other incoming deposits. One has cited technical difficulties which may violate EFTA as it requires timely access to funds. This situation may cause issues and concerns about the consumer protection laws. I request you assist in investigating the 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: Fraud or scam — 
Company: Block, Inc.
State: VA

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 action and effective measures to secure my credit information resulting in XXXX $ used within XXXX minutes from when it was deposited. I was using Cash App as a bank in XX/XX/year> when my direct deposit hit my bank account and within minutes scammers accessed my information and stole my money. They used it at dollar generals and food citys. When I filed a complaint with cash app there was no one to help me. They said they are based in CA and had closed for the weekend. I continued to press the issue and they were unable to help me retrieve my money or give me any information. They left me 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 ( EFTC ) 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 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 want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Their are inquiries, bankruptcies, and closed accounts that should have been removed and never was there was also a breach where my data has been leaked to the dark net

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: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate he Consumer Financial Protection Act CFPA ). Specifically, Cash App failed to take imely and effective measures to prevent and iddress 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: PA

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 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 13 financial loss, and I seek appropriate redress

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: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
This company is reporting fraudulent accounts to my consumer report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, 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: GA

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 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 12 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 get my direct deposits from unemployment insurance every XXXX  night It is now Friday afternoon and still nothing! I am not the only one this is happening too and I am sure I am not the only one who is living check to check. I havent ate since Thursday morning, cant pay my phone bill, cant pay my rent & cant pay for food or gas! All Capital One bank responds with is they are experiencing a technical issue with a third party vender and are working around the clock to resolve the issue?? It is Friday afternoon this is has been going on since XXXX No notices before hand or even timely afterwords they didnt send me an email until XXXX last night after I already found out this was a nationwide issue on twitter ( X ) How does a consumer find out more about the issue on twitter than from the company? I need my money and I hope this does something to have some kind of positive outcome for myself and others in similar situations experiencing this devastating situation.

Company response to consumer: Closed with explanation