vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cashapp services there was no one live agent to handle disputes about transactions or payments. Money was not able to be recovered because no representation was available.

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: WA

Complaint narrative:
Capital One did not let customers know about issues with direct deposits not being done by expected date. I bank with them so my direct deposit from my work gets to me early. It has been 3 days and there is no timeframe of when I can expect my funds to be available. In the meantime my bills that are on autopay are being declined and I will be penalized and charged late fees that I am sure Capital One will not take responsibility 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: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Consumer Financial Protection Bureau XX/XX/year> Complaint : Improper Use of Credit Report Dear Consumer Financial Protection Bureau- I am writing to inform you in accordance with the Fair Credit Reporting Act, the list of accounts below as well as XXXX XXXX XXXX XXXX and XXXX Reporting Companies have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Accounts : XXXX, PNC 15 U.S.C. 1681 Sec 602 A- States I have the right to privacy.

15 U.S.C. 1681 Sec 604 A Sec 2- Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Sec- States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 



XXXX, XXXX, and XXXX XXXX XXXX used my report improperly and are in violation to my rights under 15 U.S.C. 1681.

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 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 ( 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: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
Long time ago me l was looking for cars and l have to give my information to the dealership XXXX XXXX XXXX company to see if l was qualified for a loan but ended up not doing it at all 2 month after that l found out that XXXX XXXX XXXX XXXX open an account under my social security getting a car loan for a XXXX XXXX XXXX XXXX  XXXX vin number XXXX with a loan of {$37000.00} through credit acceptance corp account number XXXX l found out one day l was checking my credit since l have no late feeds at all because l really keep track my credit and found out XXXX XXXX XXXX XXXX XXXX dealership use my information to get a car they create a profile with wrong information the only right information they put was my name and social security l did file a police report on dealership and XXXX from XXXX XXXX XXXX XXXX XXXX for identity theft the dealership and employee are under investigation for the fraud they did to me and my wife because they did the same thing with my wife they got a car under her social security through credit acceptance as well. I been trying to dispute that car loan since l dont own that car at all and lt be messing and hurting my credit bad. I do have a lot of evidence and proof that that car is not mine and that I never did that purchase the dealership its located on XXXX Arkansas and me l live in XXXX Kansas my police case number is XXXX detective XXXX the one under this investigation XXXX police department. If any proof or evidence is needed it l can sent it. I want to dispute this car loan of {$37.00} since l never signed anything or ever did this purchase at all like l said they did it without my consent and they use a fake phone number, fake address and fake gmail. If you need more information you can call my phone number is 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 monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
During my lease with XXXX XXXX XXXX. I applied for a deferred payment. During my process of deferring my payment, my payment that was supposed to be covered with the deferred payment was reported late. I was never late during this lease agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
During my lease with XXXX XXXX XXXX. I applied for a deferred payment. During my process of deferring my payment, my payment that was supposed to be covered with the deferred payment was reported late. I was never late during this lease agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
During my lease with XXXX XXXX XXXX. I applied for a deferred payment. During my process of deferring my payment, my payment that was supposed to be covered with the deferred payment was reported late. I was never late during this lease agreement.

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: TX

Complaint narrative:
Thursday, XX/XX/year> I realized that my direct deposit had not posted. Sometimes, but rarely it will post Friday instead. I assumed this might be one of those times. When logging into my app, it said that the XXXX XXXX app was experiencing technical difficulties, but I still had the ability to log in, view balances and move money. 

Around XXXX, the same day, I realized that my direct deposit had not posted and the error message was still showing. I happen to be scrolling social media, searched news outlets for articles to discover this had been going on since Wednesday, XX/XX/year>, without any update from XXXX XXXX. I call customer service and they say a third party vendor technical issue is why I haven't received my direct deposit. I asked who is the vendor and what will be done because this is unacceptable. I have bills to pay. The rep only stated that it will be rectified by later that evening of XX/XX/XXXX through Friday XX/XX/year>. As of XXXX XXXX, I still have not received my direct deposit. I haven't been very focused at work. I just started school and my funds were also supposed to be disbursed to this account. I have been extremely stressed because essential things to my everyday life that need to be handled via my finances. I have autodrafts for repayments that are not going through because of this. This is unacceptable and XXXX XXXX 's lack of transparency, the response and behavior of their employees, not keeping customers informed and how this situation is being handled overall is unacceptable.

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 CapitalOne 's failure to deposit my direct deposit from my employer on Thursday, XX/XX/year>. I still do not have access to my deposit and my automatic bill payments were sent back for insufficient funds. Now I will have late fee and return fees. 
CapitalOne has sited technical issues which violates the Electronic Funds Transfer Act as it requires timely access to funds.

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: NY

Complaint narrative:
I typically get early deposits Wednesday afternoon. It didnt show up Wednesday, Thursday, or Today ( Friday ). I cant get in touch with them and I need my money for transportation to get to work and food to eat as well as rent approaching. They arent giving updates and I need access to that money

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:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate th

e 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: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
Im writing to express my concerns regarding Zelle handling disputes, in the highlight of CFPB lawsuit stating plenty issues about the platform. Despite using Zelle a few times, you guise have failed me solving this resolution. They have informed me that recovering lost funds are impossible, it has been plenty of scams. The lack of not fixing the problem raises so many concerns about consumer safety.

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: FL

Complaint narrative:
I am writing to file a complaint against NavyFederal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees and had my account closed due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, when transactions settled with insufficient balances initially available funds. I believe these practices are unfair and request an investigation into my account transactions

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: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital Ones systems were affected and my direct deposit has been delayed. It is now two days late.

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: CA

Complaint narrative:
Im filing a complaint against Cash app ( block , inc . ) due to an adequate customer service and unfair practices., which violated the consumer financial protection act ( CFPA ). Specifically.. Cash App failed to take timely and effective measures to prevent an 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 era resolution requirements under the electronic fund transfer act ( EFTA and regulation E. These actions have cost sufficient inconvenience in 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: EQUIFAX, INC.
State: OH

Complaint narrative:
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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint with 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: Early Warning Services, LLC
State: IA

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 consumer safety.

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 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 ensur my rights are upheld. Thank you.

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: TX

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union Regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I am writing regarding the above-referenced account. Under 15 U.S. Code 1692c of the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you cease all communication with me regarding this debt, except as permitted by law.

Under 1692c, debt collectors must respect a consumers request to cease communication. Therefore, I demand that you immediately stop all communication regarding this account unless : You confirm that no further collection efforts will be made, You notify me of specific actions you intend to take, such as filing a lawsuit, or You provide legal notice as required by law.

Please note, this letter does not constitute acknowledgment of the debts validity. If you believe this debt is legitimate, I request full validation under 15 U.S. Code 1692g ( b ), including documentation to verify the debt and your authority to collect it.

Failure to comply with this cease-and-desist request may result in my filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) , the Federal Trade Commission ( FTC ) , and the Georgia Attorney Generals office for violations of the FDCPA. 
Thank you for your prompt attention to this matter. I expect written confirmation of your receipt of this letter and your intention to comply.

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: MD

Complaint narrative:
Im filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other income and deposits. Capital one has cited technical issues, which may violate the the electrical funds transfer act ( efta ) as it requires timely access to funds. this situation arises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights is upheld Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One has known about their system issue for several days and failed to notify users. Not receiving my direct deposit has severely impacted me on making payments on important bills. This is completely unacceptable.

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 usually comes in a few days early at capital one. My direct deposit has still not hit my bank even though I have confirmed with my employer that they have paid me. Capital One is stating they are working on it, but it is a vendor issue which they have no control over. On a day like today when I had to cancel my XXXX due to my direct deposit not hitting, causing me physical and monetary harm due to my bank failure to let us know they were having issues with their direct deposit vendor before hand.

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 filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit form 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 in investigating the matter to ensure my rights are upheld.

Company response to consumer: Closed with explanation