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: EQUIFAX, 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 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: NY

Complaint narrative:
I am filing a complaint as a consumer and client of CapitalOne. Capital One has failed to issue direct deposits from my employer, vendors and any other financial resource into my account. Capital One has cited technical issues yet news sources state that the issue is linked to the companys compliance with regulatory practices. This violates the ( Electronic Funds Transfer Act ) EFTA and I am requesting your assistance in investigating CAPITAL ONE to ensure that my rights are upheld. As this situation raises concerns about consumer protection laws.

Thank you for your assistance.

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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Inaccurate information is contained on my Transunion, XXXX and XXXX credit reports. I have started a dispute with all companies and the inaccurate information has not been removed. The inaccurate information includes name, address, phone numbers and collection 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Inaccurate information is contained on my XXXX, XXXX and Equifax credit reports. I have started a dispute with all companies and the inaccurate information has not been removed. The inaccurate information includes name, address, phone numbers and collection accounts.

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 was supposed to receive my deposit on XX/XX/year>. Capital One said they have an outage with a third party vendor and my deposit is not available. It's XX/XX/year> at XXXX XXXX and it's still not available.

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'm 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 at failed to take timely and effectively measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they're dispute resolution requirements under the electronic fund transfer Act ( EFTA ) in regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

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

Complaint narrative:
Im filing this complaint against Cash App ( Block , inc . ) due to inadequate customer service and unfair practices, which violates 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: OR

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 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 protected. 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 lost 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
Capital One has not given thousands of their customers their direct deposits from our jobs, including me! Its been three days and no answers, only one Kittle email saying itll be fixed XXXX morning and it is now the afternoon. This has caused me to be behind on a bill that I planned to pay with my check. When I called I was on hold for over 40 minutes and then they hung up the phone. This is absolutely ridiculous. I need My direct deposit and they arent doing anything to fix this for thousands of people who need their money for bills and food.

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: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 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: 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, cash app failed to take timely and effective actions towards my account which has been breached & unprotected on various levels. Furthermore, thier dispute resolution process was unfair and deceptive, as they did not follow with error resolution requirements under the Electric Fund Transfer Act and regulation. These actions have caused terrible financial loss and heartache. 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am writing to formally address my concerns regarding your handling of disputes I have submitted to validate negative accounts listed on my credit report. Despite my efforts to ensure accuracy and compliance with the Fair Credit Reporting Act ( FCRA ), I have encountered significant issues that remain unresolved. 

I submitted disputes several times, requesting an investigation into the listed accounts to verify their validity. Per the FCRA, this process requires the credit bureau to either validate the debt by providing documented evidence, such as an application bearing my signature, or remove the disputed accounts from my credit report. 

However, both TransUnion and XXXX claim to have completed investigations and deemed the debts valid. Despite these claims, neither bureau has provided any supporting documentation or evidence to substantiate this determination. Without such proof, I believe the accounts remain unverifiable and should be removed as required by law. 

This failure to provide evidence undermines the transparency and integrity of your dispute resolution process. Furthermore, maintaining unverifiable negative accounts on my credit report has caused unnecessary harm to my creditworthiness and financial standing.

I request the following actions : 1. A detailed explanation of the investigation process and findings, including any documents reviewed.

2. Immediate removal of any accounts that can not be validated with appropriate evidence.

3. Written confirmation of actions taken.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX at around XXXX & XXXX pm I mistakenly made two unauthorized payments with XXXX XXXXXXXX XXXX for {$65.00} & {$41.00}. I immediately called my bank with Chime and requested the payments not to go through but they Institute on not helping me. I also sent an email to XXXX XXXXXXXX requesting an immediate refund as I do not intend on using the products but their reply was to return the items which I may not be able to as I only have a phone and not a printer to print out the return address slip. I would like a stop payment from XXXX XXXXXXXX as I do not need and will not use any of their products.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
on XX/XX/XXXX, I received an email out of nowhere that my accounts were closed after an internal investigation. I was not aware that any investigation was taking place. I was supposed to get paid XXXX XXXX and as of XXXX pm XX/XX/2025, I have not received payment. Their reasoning for closing my account was due to me being a risk.. which i do not understand. I always pay my balances with this checking account and have had CONSTANT deposits into this account bi-weekly for over a year. They are refusing to cooperate.

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:
My direct deposit has not deposited into my account for 2 days. Capital One keeps saying they are working with a third party vendor to fix it. They have provided a resolution time and any other information.

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: 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, Cash App failed to take timely and effective measures to prevent and address fraud or 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 Fraud Act ( EFTA ) and Regulation E. These actions has 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: PA

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 citied technical issues, which may violate the Electric Funds Transfer Act ( EFTA ) as it required timely access to funds. This situation raises concerns about consumer protection laws, and I request you 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent reporting on my credit file with Experian. Upon review of my credit report generated on XX/XX/XXXX, I have identified several errors and discrepancies in how the accounts are reported. Below are the specific details of my dispute : Collection Account : Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). 
Issue : This account is reported as a collection with a balance of {$190.00}. I do not recognize this debt, nor have I received prior communication about it. I request validation of this debt and documentation confirming its legitimacy. 
High Credit Utilization : XXXX XXXX XXXX XXXX : Reported as 107 % utilization with a balance of {$530.00} against a {$500.00} limit. 
XXXX XXXXXXXX : Reported as 100 % utilization with a balance of {$4700.00} against a {$4700.00} limit. 
Issue : Recent payments were made, but they are not reflected in the reported balances. This reporting inaccurately inflates my credit utilization and negatively impacts my score. 
Late Payments and Delinquencies : XXXX XXXX XXXX : XXXX late payments with {$1700.00} past due. 
XXXX XXXX XXXX : XXXX late payments with {$520.00} past due. 
XXXX XXXX : XXXX late payments with {$1100.00} past due. 
Issue : These accounts contain excessive late payments that XXXX not reflect accurate payment history. I request validation and adjustment to accurately reflect my payment record. 
Closed Accounts with Reporting Issues XXXX XXXX  : Closed at the credit grantor 's request with a {$96.00} past due balance. 
Self/Atlantic Capital XXXX Previously closed but contains discrepancies in reported payments. 
Issue : These accounts appear to reflect inaccurate statuses and past-due balances that are not consistent with my payment history. 
Hard Inquiries : Multiple inquiries, including from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), remain on my report despite no accounts being opened. 
Issue : These inquiries should be removed if unauthorized or outdated.

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: 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: MS

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 resolved .The consumer Financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnish. Accepting unreliable responses and failing to adequately notify consumers of dispute outcomes.these failures align with my experience where Experian has neither corrected or removed disputed items despite the evidence provided.i am requesting immediate corrective action to remove or amend the dispute accounts as Experian inaction violates federal law and my rights as a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was scheduled to get paid this week and as of right now Friday XX/XX/year> as of XXXX I have not received my pay check. I have checked with my employer and was informed that they have sent my paycheck to my banking institution which is Capital One. I have bills ached to come out of my account Friday and this upcoming week. I know that if the funds are not available my bills will indeed incur late fees or return fees. I have children in which I also need to feed and maintain a roof over their heads. I have tried calling Capital One and have been on hold for approximately 2 hours. This is unacceptable and unprofessional.

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: NM

Complaint narrative:
I am filing a complaint with the CFPB 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: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
we obtained a second mortgage ; at closing the loan officer had approved us for interest only with an adjustable rate ; which was fraudulently but once we were ready to close it was too late to change we made payments on time ; the loan servicer was in the midst of modifying the loan to a fixed rate with different terms when it was sent to Newrez for servicing We then sent in a pkg for modification in XX/XX/2024 ; thought the mod was being processed ; found out yesterday that it was closed and our credit was hit 113 because of the actions of Newrez called Newrez and spoke to XXXX who said we were up to date ; I questioned her ; she then sent me to a different rep Newrez should be fined for this and needs to correct our credit

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