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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion 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 unresolved. 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 TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to the credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnion 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: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
over draft and insufficient fund charges money is never taken when it supposed to

Company response to consumer: Closed with 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: PA

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 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 Electric 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: IL

Complaint narrative:
I am filing A complaint against Cash App ( Block , Inc ) for 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 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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit Reporting Agency Name ( or company involved ) : Experian Account Number ( XXXX ) : XXXX Complaint Details : I am filing a formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) regarding a charge-off account listed on my credit report under Opploans/FinWise. 

I have previously submitted two disputes regarding this account, and the credit bureau claimed the account was verified. However, the information remains inaccurate due to repeated reporting of charge-offs each month, effectively re-aging the account. This practice is against the provisions of the FCRA and TILA, as it unfairly extends the negative impact on my credit report.

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 1681b ( 2 ) - Accuracy of Information : The repeated monthly reporting of the charge-off re-ages the account, making the information inaccurate and misleading.

FCRA Section 1681b ( 5 ) - Permissible Purpose : The re-aging through repeated reporting does not align with permissible purposes under the FCRA.

FCRA Section 611 - Duty to Investigate : Despite my disputes, Experian failed to correct the repeated inaccuracies, thus violating the duty to investigate.

FCRA Section 1681i - Reinvestigation Failure : The ongoing failure to reinvestigate properly and address the repeated reporting constitutes a violation of this section.

Violations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate Information : The repeated charge-off reporting inaccurately portrays my financial status, violating TILA 's requirements for accurate reporting.

Request for Resolution : Immediate deletion of the charge-off entry from my credit report.

Proof of verification from Opploans/FinWise substantiating the charge-off. If this can not be provided, the account must be removed.

Investigation into and correction of the repeated reporting.

Failure to address this matter within 15 days will result in further action, including filing additional complaints with the CFPB and seeking legal recourse.

Thank you for your prompt attention to this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
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 : Kohls, 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 Reporting Company 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was due to receive my paycheck by direct deposit to capital one checking account on XX/XX/XXXX and as of XXXX XX/XX/XXXX ; my paycheck has not been deposited causing me XXXX to miss payments and now my account is in the negative. I have made multiple calls to capital one and received many false and misleading responses regarding resolution to this issue.

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: NC

Complaint narrative:
ON XX/XX/year> I am supposed to receive my direct deposit on wednesday every two weeks. It is now Friday XX/XX/year> at XXXX hours and I still have not received my direct deposit for my check. They can't even give a remote timeline of when my direct deposit will be fixed. I have had to call into work the past two days because I can't go to work because my truck has no gas. Are they going to start paying my bills when I lose my job? like what else can I do other than be at their mercy? My job is already stating that it is showing deposited on their end while capital one cant show me XXXX XXXX.

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:
Iam filing 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 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management is incorrectly reporting my collections status. I have two accounts with them ; both of which Im currently making payments. Its on autopay directly from my checking account the XXXX of every month. However theyre reporting the account delinquent, and are saying its the credit bureaus, when I have disputed it multiple times with the bureaus and have had it corrected multiple times, only for them to turn around the next month and report it delinquent again.

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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 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, Equifax 's actions may 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 Equifax complies with federal law and provides consumers with the necessary proof of investigation.

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: OK

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 16 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: NC

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. Thanks

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: TX

Complaint narrative:
My direct deposit was sent to my account from my place of employment on XX/XX/XXXX capital one advised they were having issues due to technical issues and would be resolved by this morning. 
my deposit is not there. all i am being told they are working on it to be patient. capital one does not direct deposit on Saturday. Monday XX/XX/XXXX is a holiday. 
this is my only source of income. 
when asked what happens if my money is not there. was told they will do an investigation

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: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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 may 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. 2025-CFPB-0002 ) 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. 

Collection Agency XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX  Date Assigned XX/XX/year> Original Amount Owed {$7300.00} Amount {$7300.00} Status Date XX/XX/XXXX, XXXX Agency XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXXXXXX  XXXX  Original Amount Owed {$440.00} Amount {$440.00} Status Date XX/XX/year> 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 — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One Bank, N.A. is now THREE days late processing my direct deposit from my employer without providing any realistic timeframe for fixing it.

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: NY

Complaint narrative:
I was along term customer of XXXX XXXX. They provided us with internet service. When I called to cancel the service they told me what my final bill was and I paid it. Then 30 days latter another bill was sent. And I called they said I still owed more I paid it. Then around XXXXXXXX XXXX XXXX. They sent me a bill for there router. I called again. They said that bill was because I never returned the router. I was no aware or was never told they wanted it back. I would gladly sent it. So, I sent it back to them they confirmed they received it. Confirmed by customer service by phone. They then sent me a bill for the router they confirmed they received. And sent the bill to a collection agency. I spoke to thier agency and was assured this was not going to affect my credit. Because they got the box back. 

So, in short I paid them two bills when I was first told what my final balance was to get them out of hair. And they received their box. Its not my fault it took them time to confirm within their own system they received the box back. They are financially affecting me as a senior citizen. I willing to take any action against XXXX XXXX thats necessary. They are an awful company. And have ruined a lifetime of credit for a {$100.00} box.

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: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practives, 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 inconvience 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: TX

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 ( 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: TX

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 sited technical issues, which may violate the 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 insure my rights were 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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 may 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. 2025-CFPB-0002 ) 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 following accounts are for the XXXX XXXX and XXXX XXXX XXXX.

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

Complaint narrative:
Direct deposit has not been deposited from my employer for 3 days. This is unheard of.

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: NJ

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent crib lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They told me tracking and recovering funds was impossible the cfpbs findings indicate that Zelle not only neglected to protect costumers but also let repeat offenders exploit the system leaving users vulnerable to scams.

Company response to consumer: Closed with explanation