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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

Complaint narrative:
My information is mismatch with someone else and the information on my credit report and inquiries are not belongs to me I contact Equifax so many time to solve this issue because on file just name is mine but nothing else is belong to me so please help me i am really struggling with this issue and really depressed and under pressure

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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My direct deposit from my employer did not get deposited in my Capital One Checking account due to a companywide technical issue. Capital one has not provided updates or etas on when deposits will hit account.

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: SC

Complaint narrative:
Experian has failed to fullfill its legal obigation 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. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. Thes failures align with my experience, where Experian has neither corrected nor removed diputed 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 Experians inaction violates fedral law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX money has been sent and I did not get any information that I am responsible for money going into the wrong bank account. So I was trying to find out why this was happening when I tired to fight for my money it was not being returned back to me. No disclosure was sent to me at the time of me sending 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: MN

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 in protected Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) And regulation E. These actions have caused significant inconvenience and financial 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: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Dear Sir/Madam, I am writing to formally dispute the collection accounts reported by LVNV Fundings LLC with the account numbers XXXX & XXXX on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate or incomplete on my credit report. 
After reviewing my credit report, I believe that the account is inaccurately reported and request that it be removed or corrected. Please note that the following information applies to my case : 1. Account Number : XXXX & XXXX XXXX. XXXX XXXX : LVNV Fundings LLC 3. Date of Reported Collection : XXXX XXXX, XXXX If the collection account is a result of a reporting error, I ask that you remove this entry from my credit report. Additionally, if the debt has been paid, or if the collection agency fails to verify the debt within the 30-day period outlined by the FCRA, I request that the account be removed in compliance with the act.

Please investigate this matter promptly and provide me with a written confirmation of the outcome. If the collection account can not be verified, or if there are other inaccuracies, I ask that it be deleted as required by law. 
Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX 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: Block, Inc.
State: VA

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. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the EFTA and Regulations 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: GA

Complaint narrative:
I am filling out 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. Their dispute resolution process was unfair deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer ( 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: FL

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 EFTA as it requires timely access to funds. This situations raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld.

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 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: AR

Complaint narrative:
Im filing a complaint against Cash App because of their inadequate customer service and unfair practices. This is a direct violation of Consumer Financial Protection Act ( CFPA ). Cash App has failed to take timely and effective measures to prevent nor address fraud on their platform leaving accounts like mine vulnerable. When it comes to dispute resolution is very deceptive and unfair to consumers as they don't comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. the actions of Cash App have caused significant inconvenience and financial loss, i am seeking 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: FL

Complaint narrative:
Ive supposed to receive my direct Deposit from Capital One Wednesday XX/XX/year> but Ive not received it as yet. They sent out an email XXXX hours later stating that they are experiencing technical issues. I was supposed to receive {$1200.00} for XXXX paycheck and still nothing today ( Friday XX/XX/year>. They stated that everything wouldve been resolved by Friday morning but still havent received anything. An upcoming Holiday is coming up and that would be such an inconvenience. This needs to be resolved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to seek assistance regarding an issue I experienced with a XXXX payment. In XXXX I mistakenly sent a payment via XXXX to the wrong recipient. Upon realizing the error, I promptly contacted XXXX to cancel the payment. Unfortunately, I was informed that nothing could be done to reverse or cancel the transaction.

Given the circumstances, I am reaching out to request your intervention in resolving this matter. I believe that more could have been done to assist me in rectifying this mistake. Your help in this situation would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
Over the last month, we've received 5-8 recorded calls per week from Honda Financial collections. As a business, we have no dealings with them. 

Today, XX/XX/2025, I had my fill. It took about 15 minutes to get to a person. I was told that one of our employees was delinquent. I was further told that we had 6 employees who listed us as their employer on their loan forms. I was told they had a right to call us to help with collection. They would not release the name of the delinquent employee. 

I asked that they stop calling as we are not responsible for any payment. After some argument, I was told that there are different divisions and that they would remove our business number in that division, but that they couldn't guarantee I wouldn't receive additional calls. Nor was they an offer of help to remove our number from the other divisions. 

We've had difficulty blocking them via our XXXX system, I believe we have succeeded with some IT help. We should not have had to go this far.

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: CO

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's Failure to 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: 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to 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 l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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 proces 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 O ( 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 an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proce 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 redres 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: NJ

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 Funds Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: 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 for these violations.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Complaint Regarding Non-Receipt of Compensation from Wells Fargo XX/XX/year> Settlement Dear CFPB, I am writing to file a complaint against Wells Fargo Bank regarding their failure to provide compensation under the XX/XX/scrub>XXXX XXXX  settlement with the CFPB. I believe I was directly impacted by the unlawful practices covered in the settlement during the time I held checking and savings accounts with Wells Fargo. 

I held checking and savings accounts with Wells Fargo that were ultimately closed due to the issues outlined in this settlement, including unauthorized fees and misapplied payments. Despite these challenges, I have been a loyal Wells Fargo credit card customer for years, maintaining a positive relationship in that capacity. 

I have made multiple attempts to address this matter with Wells Fargo, but they have not provided a satisfactory resolution or reviewed my closed accounts for eligibility under the settlement. 

The mishandling of my accounts and the lack of restitution have caused significant financial hardship, including financial instability, additional expenses, credit challenges etc. This has created a domino effect that has negatively affected my financial well-being. 

I am requesting the CFPBs assistance in : 1. Compelling Wells Fargo to review my closed checking and savings accounts to determine my eligibility for compensation under the settlement. 
2. Ensuring I am fairly compensated for the financial hardship caused by these practices.

3. Addressing Wells Fargos lack of cooperation in resolving this matter. 

Additionally, I want to emphasize that I value my relationship with Wells Fargo as a credit card customer and would like to remain a customer. However, my willingness to open new accounts with Wells Fargo in the future depends on their acknowledgment of these issues and agreement to fairly compensate me for the hardships caused. 


Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Texas 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 2025-01-17 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:
Direct deposit of work check not recieved. Unable to reach an agent. On XX/XX/year>2025 an email was receivec advising there were issues since XX/XX/year>2025 that should have been resolved by today. No funds in my account and with a long weeked coming up, the bank should inform members if there are more delays but not even able to reach them by phone.

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:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer services 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