vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: CA

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 2025-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CA

Complaint narrative:
Account Name : XXXX XXXX Subject : Collection/Charge off Account # : XXXX To whom it may concern. 
Going over my credit report ( s ), I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. Please supply the information below because I believe that your firm handling of my payment and account information has been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 U.S.C. chapter. 41, subchapter. I 1601 et seq ). I require a response, on point, in writing ( a statement under penalty of perjury included ), hand signed, and in a timely manner. If I get a pointless letter from you saying that account has already been " verified '', or your firm can not or chooses not to respond to this VALIDATION demand and its conditions, then there will be no more opportunity for negotiation, I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious and inaccurate activities.

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C.

1681c-2 ( a ). Dear XXXX, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. 

- Requested Removal of Inquires XX/XX/XXXX XXXX XXXX  an XX/XX/XXXX. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C. 
1681c-2 ( a ). Dear XXXX, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. 

- Requested Removal of Inquires XX/XX/XXXX XXXX XXXX  an XX/XX/XXXX. 

As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
Ive had Cashapp for years and this past month for no reason after one transaction transfer from family to account my account was locked banned and I couldnt get in it or ask why it was being closed. Using the account for business while using the account I called the support used the chatbot and emailed them. Back in XXXX  my cashapp account got hacked and a few transactions were made out of my bank account and I couldnt even stop it. All they did was send another card and change my password. The sad part is they told me when I called to empty all my trade and XXXX account of what I have left cause I wont have access to the account anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
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. Email communication was received from CapitalOne on XXXX XXXX but there has been no additional communication and I still do not have my paycheck. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have been a Capital One customer since I was old enough to have a bank account. They have always allowed me early access to my paychecks. I was supposed to be paid by Friday. I received an email from Capital One saying all issues should be resolved Thursday or at latest Friday morning. I still have not received my deposit of {$2100.00}. I tried to call to ask for an update and it said the wait time was over XXXX minutes. I should have received it Thursday and Monday is a holiday so I believe banks are closed so I will be Thursday, Friday, Saturday, Sunday, Monday, and possibly more days without my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

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 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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My direct deposit was deposited to my checking account by the company i work for on XX/XX/year> in the amount of XXXX. I reached out to the bank ( Capital One ) for 3 days and all they can say is that they are experiencing a outage and cant give me no other information or when it will be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have yet to receive my direct deposit from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: MI

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 2025-01-18 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 express my concern regarding Zelle Handling of disputes.dispite Using Zelle numerous times & reporting Discrepancies my financial institution & Zelle Failed to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 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 2025-01-18 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: NY

Complaint narrative:
I am writing to formally express my concerns Regarding zelle 's handling of dispute 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 Transaction was unfeasible. The CFPB 's Finding 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My information has been exposed to third party companies I have no clue about. I gave no consent for my information to be shared. I'm also getting emails, spam calls and mail in my mailbox from companies I never heard of. My credit score has dropped because of the hard pulls on my credit that I haven't consent for these people to pull. I had my identity stolen to where now I have to use an IP PIN number that is issued by the government when I have to file taxes or anything dealing with trying to identify myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: KY

Complaint narrative:
I am writing to formally express my concerns due to Zelles handling of disputes, as 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 users vulnerable to scams. This of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report as provided by Experian. My Experian XXXX ID is XXXX. After carefully reviewing my credit report, I have identified the following items that I believe to be false or unverifiable : XXXX. Account Name/Number : XXXX Date Reported : XX/XX/XXXX Inaccurate Information : This company reported that I owed XXXX conflicting amounts on the same day- {$2300.00} and {$4100.00}. I did not verify or authorize this information before it was added to my credit report, and it is incorrect. 

Account Name/Number : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Inaccurate Information : This company reported an amount of {$10000.00} owed, with a separate balance of {$9700.00}. This report is false and unverified. 
Additionally, Experian has failed to address my previous attempts to dispute these inaccuracies, which has caused significant harm to my credit. I was not notified or given an opportunity to verify this information prior to it being added to my report, which I believe constitutes a breach of my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, Section 605B of the FCRA prohibits the reporting of inaccurate information without proper verification or notice to the consumer. 

I am requesting the immediate removal of these inaccurate inquiries and reports from my credit file. Please investigate these items and provide me with the results of your investigation. If these items can not be verified, I expect them to be deleted promptly. 

I request that you complete your investigation within the 30-day timeframe required by law and provide me with written confirmation of the results. You may contact me at [ 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 2025-01-18 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:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT WITHIN 4 BUSINESS DAYS. XXXX. XXXX XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXX BANK XXXX {$200.00} XXXX. XXXX XXXX {$720.00}. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX TERRACE XXXX XXXX XXXX, IL XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED XXXX. MUTUAL CR XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX 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 2025-01-18 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: IL

Complaint narrative:
MY INFORMATION WAS INVOLVED IN A DATA BREACH PLEASE REMOVE ALL FRAUDULENT INQUIRIES, ADDRESSES, CLOSED ACCOUNTS AND NAMES AS I HAVE NO KNOWLEDGE OF THEM IN ACCORDANCE TO FCRA 605B THIS INFORMATION MUST BE REMOVED AND BLOCKED FROM MY REPORT WITHIN 4 BUSINESS DAYS. XXXX. XXXX XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX {$1800.00} XXXX. XXXX XXXX XXXX XXXX {$6600.00}, XXXX XXXX BANK XXXX {$200.00} XXXX. XXXX XXXX {$720.00}. PLEASE REMOVE FOLLOWING ADDRESSES AS THEY ARE NOT ACCURATE XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXX, XXXX TERRACE XXXX XXXX XXXX, IL XXXX AND ANY NAME THAT IS NOT XXXX XXXX XXXX. THE FOLLWING CLOSED ACCOUNTS NEED TO BE REMOVED XXXX. XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. XXXX 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 explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
My organization was scammed out of XXXX from two separate accounts. We couldnt receive our money back, this was our first year as an organization. We never received a refund or uniforms for our kids to start the season.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I called and sent letters and filed dispute I have XXXX in writing and no response and the credit bur did nothing

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 2025-01-18 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: AZ

Complaint narrative:
I bank with Navy Federal Credit Union I just learned about the lawsuit against them for allowing transactions to go through when there was not enough funds in the bank I am a victim of this. I have called and asked the question why would they allow automatic transactions to go through when there is not enough funds. Theres been time where I would look at my account and seen I had money so I would make a purchase within that amount but some how my account will show overdraft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation