vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am XXXX yrs old, we ( my wife and I ) were in California to help our daughter and son in law with their new baby, our first grandchild. on XX/XX/XXXX my minimum payment was paid on time, the next day I realized I missed full payment so I called and paid the balance due. 
I was charged interest which was fine since I missed by one day paying in full. 
The next month was a problem because I paid minimum on XX/XX/XXXX and also paid full balance XX/XX/XXXX the due date. Citibank charged me interest, I called and complained to supervisor who contends the were in within their rights to charge me interest in a month where all charges were paid in full and on time. 
I have been an tax accountant, auditor and finance consultant my whole life and have never run into a situation like this.

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: MN

Complaint narrative:
I am filing a complaint agaist Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Finalcial Protection Act ( CFPA ). Speciffacly, 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 Trasfer 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

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

The accounts marked inaccurate include but not limited to XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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

Complaint narrative:
I am a victim of identity fraud theft I have all my supportive documentations towards this tragic situation such as my FTC report, proof of address for when it took place, police report, NC DL, Identity Theft Victim 's Complaint and Affidavit. 
How ever the following accounts noted on my complaint and affidavit form as well as on my FTC REPORT are not mine or authorized by me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$180000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} -Charge off XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00} - XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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 — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Capital One 's systems went down for over XXXX hours. My business checking account is not accessible. I can not see how much is in there, any transactions that occurred, nor move any money into there. 

I have bills I need to pay as a business. 

Capital One will not guarantee that they will pay any debits against my account. They intend to return them. This is unfair because they can not tell me how much is in there, what has already cleared, and will not allow me to put more money into the account. They only said they would look at any overdraft charges. 

They will not agree to pay the debits and let me cover them when they are back online. This impacts the reputation of my company if I can not pay my bills or if something bounces when it should not have. 

My request was reasonable and they will not confirm anything that they will or wont do. They do not have anyone I can talk to after XXXX EST on Friday XXXX XXXX XXXX  and the next XXXX days they are closed. SO if they don't resolve the issue tonight, I'm going XXXX days without access to my funds, because I can no longer use my debit card for anything or write any checks. Good thing it's not payroll today, but I have bills that need to be paid.

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: OH

Complaint narrative:
I am filing a complaint against cash app ( Block , inc . ) due to inadequate customer service unfair practices, which violates the Consumer Financial Protection ( 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have disputed the reported accounts on my credit so many times and they refused to remove them. XXXX XXXX XXXX XXXX. Please help

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 — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I reported several transaction and requested agents etc. and have not received any resolution just money gone that I actually need

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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XX/XX/year> BRIDGECREST XXXX XXXX XXXX XXXX, AZ XXXX XXXX Re : Cease Communication Request for Account Number XXXX To Whom It May Concern, I am writing regarding the above-referenced account. Pursuant to XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ), I formally request that you cease all communication with me regarding this debt. 

Under the FDCPA, you are prohibited from contacting me in any way other than to : XXXX. Confirm that no further contact will be made, or XXXX. Notify me of any specific legal action you intend to take. 

Please note that you are also prohibited from contacting me at my workplace, and you must not discuss this debt with any third parties, except as allowed under the FDCPA. 

Additionally, if you intend to take any legal or collection-related actions, I request full documentation to validate the debt as required under XXXX XXXX XXXX XXXX XXXX XXXX, including but not limited to : Proof that I owe the debt. 
An itemized breakdown of the debt amount. 
Proof that you have the legal authority to collect this debt. 

Failure to comply with my request may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or my states attorney general. Furthermore, I reserve the right to take legal action against your company for violations of the FDCPA. 

Please confirm in writing that you have received and will comply with this request. 

Sincerely, XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My information was leaked multiple times to the dark web. XXXX XXXX of XXXX, XXXX XXXX XXXX XXXXa fraudulent account was made and dropped my score over XXXX points and XXXX data breach leaked so much of my personal information. I filed a complaint with the FTC XXXX I also had a bank of America account opened ( XXXX ) and a XXXX XXXX XXXX XXXX XXXX ( open XXXX ) which was Open and closed in less then XXXX months without my knowledge.and has hindered me from getting any type of bank account.

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:
Capital One has not issues payment to my checking account well after my pay date XX/XX//2025. Roughly {$2000.00}. I've contacted support been on hold for hours and no answers other than technical difficulties. I XX/XX/XXXX. This is unacceptable. PR has been horrible. No notification until Thursday evening and they've passed the time they set for themselves to resolve the issue. Still no further information has been provided.

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 investigation 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 furnishes, 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 accounts, as Experians 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 — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

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 credits. This issue aligns with the recent CFPB findings against Navey 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 y 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issue, 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 the matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 ). Specially, 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 finical 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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

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:
Currently CapitalOne is not processing deposits made from paychecks to working class individuals such as myself. My money was scheduled to arrive Wednesday, XX/XX/XXXX, XXXX it is now Friday XX/XX/2025 and still no money has been deposited. It is thousands of dollars that are needed for various needs, travel expenses, updated travel needs that cost money with deadlines causing me to potentially lose tens of thousands of dollars in profits from lost clients, bills that are to be processed, have bounced and exponential late fees over thousands that have incurred through direct fault of the company. The money is also needed to have gas and food. I wont be able to leave work if the money does not get deposited. The undue hardship is causing severe issues with the pending snowstorm this weekend. It is causing relationship issues with my children. It is potentially goping to cost me my job if XXXX cant get gas.This is more than an inconvenience, it is theft, and creating legitimate hardships on myself and my XXXX children. I am a single father and I need the money that I sacrifice my time for. CapitalOne is the institution once again. Please note that I have reached out since yesterday and still have no resolution. Thank you for your time.

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: LA

Complaint narrative:
My payroll check was supposed to be deposited into my Capital One personal checking account by direct deposit on XXXX. I never received it. I did not receive an email from capital XXXX until XXXX on XXXX informing me of a " technical issue with a third-party server being down '' and that they were working on the issue and should have all matters fixed by Friday morning ( XXXX ). It is now XXXX ( CT ) on XXXX and I still have not received my payroll check by direct deposit. I have sat on hold for over 120 minutes waiting to speak to customer service with Capital One only to be read a type of script with no answers still as to when my monies will be deposited into my account. It is a weekend holiday which is causing more problems and unacceptable. I have already began incurring declined payment return fees from bills that I had set up on automatic draft that were attempted to be taken out but because the funds were not there since my monies have been held up for the last 3 days.

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 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 accountable vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Funds Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek the appropriate redress for these violations.

Company response to consumer: Closed with explanation