vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MA

Complaint narrative:
My direct deposit has been on hold for two days with no notice. Capital has failed to provide my funds in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PERDUE BRANDON FIELDER COLLINS & MOTT LLP
State: NY

Complaint narrative:
In XXXX a ticket was paid. The debt collector, Perdue Brandon Fielder Collins & Mott , LLP, has sent multiple letters. I have called multiple to state the ticket was paid and today, XX/XX/XXXX, I told the law firm I will take legal action against them if they did not stop sending spam as they proceeded to hung up when stated the action. This would be on the second occasion. The letter states I would have a warrant out for myself if I do not pay without no final day.

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: VA

Complaint narrative:
I bank with Capital One my direct deposit went into my account. I am not being given access to it have double checked, and there is no problems from the payroll company. Customer service has been terrible and they will not tell you anything. This has created a financial burden on my part.

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: TN

Complaint narrative:
XXXX XXXX Different amount was taken from my checking & savings account, also amount taken from my Navy federal credit card, no action taken when I called Navy federal

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: 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 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 Regulations E. These acts have caused significant inconvenience and financial loss, and I seek to 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 — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: TX

Complaint narrative:
Theres been alot of my information exposed in a data breach. I would like to get t everything removed off my credit report within 30 days. According to the FCRA laws!!! Thank you for your time. Respectfully

Company response to consumer: Untimely response
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 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 ( 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: NY

Complaint narrative:
l'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 service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am referring to the company, Cash App ( aka Block Inc. ) due to the lack of customer service support for issues around their product. They failed to provide their customers with the proper assistance when needed and go against CFPA rules. For the major inconvenience encountered for the actions of the company, I hope these issues can be addressed and actually resolved. As a current user of their platform, I might resort to other companies in the near future to ensure my financial/personal security is met.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 U.S. Code 1666b - Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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: NC

Complaint narrative:
15 U.S. Code 1666b - Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
15 U.S. Code 1666b - Timing of payments ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

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

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: 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: SC

Complaint narrative:
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite numerous requests over the past four months, the debt collector has failed to provide any documents or validate the information regarding the alleged debt. All inquiries made by me have been met with claims that they have no information to show, despite my submission of inquiries related to late payments, collections, and inquiries. I initially requested validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Specifically, I asked for : 1. A complete and itemized statement of the alleged debt, including the original creditors name, the date the debt was incurred, and the amount of the original debt. 2. A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt. 3. A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization. 4. Proof that the agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation. 5. A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence. Per the FDCPA, they were required to respond to my validation request within 30 days of receipt. During this time, all collection activities were supposed to cease, and any negative information reported to the credit bureaus should have been removed. However, the debt collector has not complied with these requirements. This lack of response represents a violation of my rights under the FDCPA. Additionally, I am now invoking my right under FDCPA, 15 U.S.C. 1692c ( c ), to demand that the agency ceases and desists from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters, and electronic communications to me, my family, friends, or place of employment, as well as reporting data on my consumer report. Any further attempts to contact me regarding this matter will be considered harassment and may result in legal action against the agency.

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: GA

Complaint narrative:
Had a cash app account, forgot password was unable to speak to anyone, emailed them many time with no results. That account had over {$500.00} in it. Never was able to access funds!

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: SC

Complaint narrative:
I was thinking I had the money in my bank account do to my job deposit my check into it so I go and spend the money next thing you know they say I have an overdraft my account even if I freeze my bank card so no one can take money off it so my account wont go into the negative they still will let me spend money so I can owe them an overdraft fee this been going on for years I been with NFCU since XXXX

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: TN

Complaint narrative:
On XX/XX/XXXX, Capital One ( my checking account ) did not deposit my funds due to technical issues. They state it will be deposited this morning but it still has not. 

I was supposed to get paid today but still has not been paid Also Capital One is not communicating how and when this will be resolved. 

I had things coming out and concerned about fees etc

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I encountered some difficulties with customer service, which unfortunately prevented me from obtaining the documents I needed. Despite my efforts, I wasnt able to resolve the issue in time.

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: TX

Complaint narrative:
I am filing this dispute regarding several inaccurate and fraudulent accounts being reported by Equifax on my credit file. These accounts are unverifiable, contain inaccurate information, or are the result of identity theft. Despite prior disputes, Equifax has failed to correct or remove the following accounts : XXXX. XXXX XXXX : {$2900.00} ( XXXX ) {$1300.00} ( XXXX  ) XXXX. Attorney General : {$7400.00} The Attorney General account has already been removed by XXXX and XXXX due to being unverifiable. XXXX continued reporting of this account demonstrates a failure to maintain accurate reporting and comply with the Fair Credit Reporting Act ( FCRA ). 

Violations of XXXX XXXX and XXXX Legal Accountability : XXXX inability to address inaccurate reporting highlights systemic issues that have already led to legal action against the company. On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) fined Equifax {$15.00} XXXX for failing to adequately investigate consumer disputes. The CFPB found that Equifax ignored evidence provided by consumers, allowed corrected errors to reappear, and relied on flawed software, resulting in inaccurate credit scores. 

This ongoing legal scrutiny reinforces my concern that Equifax is not fulfilling its obligations under the FCRA, including : XXXX. Failure to Maintain Accurate Information ( 15 U.S.C. 1681e ( b ) ) : Equifax must ensure maximum possible accuracy in credit reporting. 
XXXX. Failure to Conduct a Proper Investigation ( 15 U.S.C. 1681i ) : Despite disputes, Equifax has not conducted a reasonable investigation into these accounts.

3. Failure to Remove Fraudulent Accounts ( 15 U.S.C. 1681c-2 ) : As a victim of identity theft, I have notified Equifax of fraudulent activity, yet these accounts remain on my file. 

Formal Request : To avoid further harm to my credit and financial standing, I demand that Equifax : XXXX. Immediately delete the XXXX XXXX accounts ( {$2900.00} and {$1300.00} ) and the Attorney General account ( {$7400.00} ) from my credit report. 
XXXX. Provide written confirmation of these deletions and steps taken to resolve the issue. 

If Equifax does not address these inaccuracies promptly, I am prepared to take legal action, as allowed under 15 U.S.C. 1681n and 1681o, seeking statutory, actual, and punitive damages for willful and negligent non-compliance. 

This is your final notice to resolve this issue promptly. I request a written response confirming the resolution through the CFPB portal. 

Sincerely, XXXX XXXX

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns About safety consumer.

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 filing a complaint with the CFPB regarding XXXXXXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate 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: 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: AZ

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. The accounts that I have marked as inaccurate are XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Joined capital one 360 XX/XX/2024 and deposited {$92000.00} and got an interest of {$320.00} on XX/XX/2024 and by XX/XX/XXXX, I had a total of {$98000.00} and received an interest of {$300.00} and XX/XX/XXXX, had a total of {$100000.00} and received an interest of {$310.00}. The interest kept dropping to a lesser amount no matter how much I increase my funds. I believe I am being robbed or cheated out of my interest!

Company response to consumer: Closed with explanation