vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NV

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 was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( 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: 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: NY

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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

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 unverified 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 items despite the evidence I provide, 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Due to internal issues, Capital One banking has not released my direct deposit causing financial strain. There is no issue on behalf of my employer/payroll, strictly XXXX XXXX system. This is causing delays in payments, resulting it past due fees assessed. They have failed to communicate this issue in a timely manner, failed to correct the issue or provide an accurate XXXX for resolution.

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: MS

Complaint narrative:
CapitalOne and XXXX knew about a power outage Wednesday XX/XX/year> and that it would impact many of their customers. The problem wasn't acknowledged until Thursday and as of now the problem hasn't been resolved. I haven't received my direct deposit and now I can not access my account because of accessing it too many times. When asked about restoring access to the account they said there was nothing they could do.

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 again Cash App ( Block, inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA )

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 service problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint against cashapp ( Block inc ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 u fair 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: NY

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 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 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: IN

Complaint narrative:
Capital One has failed to deposit my direct deposit from my employer. Capital One claims vague technical issues to be the cause and have offered no further explaination and no resolution. I believe this to be a violation of the XXXX Funds Transfer Act requiring my timely access to electronic funds. My employer submitted my payroll deposit on or before Wednesday XX/XX/XXXX which would allow XXXX hours for the transfer. My payroll deposit should have been available to me at midnight XX/XX/year>, it is now more than XXXX hours past and I still can not access my money. I am asking your assistance in investigating this matter and upholding my rights. I have no food in my home, truly it is dire, and I do not know how I will feed my XXXX children this weekend without access to my payroll money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Complaint Regarding Improper Billing and Debt Collection Practices Details of the Complaint : I am filing this complaint regarding a debt reported by Sunrise Credit Services on my credit report for an amount of {$1100.00}. This debt originates from XXXX XXXX, and I believe it has been sent to collections improperly. 

Here are the key details of my case : 1.I had a billing dispute with XXXX XXXX regarding charges on my account. Despite my attempts to resolve this issue with XXXX XXXX directly, the company did not address my concerns or provide adequate justification for the charges. 

2.Without proper resolution, XXXX XXXX XXXX XXXX account to a collection agency, Sunrise Credit Services XXXX which now appears on my credit report as a collection account. 

XXXX has negatively impacted my XXXX XXXX, and I believe the collection was unjustified, as the original dispute with XXXX XXXX XXXX never properly investigated or resolved. 

Supporting Information : I have attached relevant documentation, including credit report showing the Sunrise Credit Services entry and any prior communications with Credo Mobile. 

I trust the CFPB will review this matter and assist in ensuring fair billing and reporting practices are followed.

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: SC

Complaint narrative:
Navy Federal Credit Union allowed overdraft fees from my account numerous of times.

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: 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: NY

Complaint narrative:
I am filing a complaint against XXXX for failing to properly investigate my dispute regarding in accuracies and my credit report. Despite my submission, XXXX continuously reports within XXXX hours stayed in 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 responsible investigation of disputes. Furthermore, XXXX actions may also contravene the customer financial protection act ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides customers with necessary proof of investigation. The following inaccuracies are as follows ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: NJ

Complaint narrative:
I am filing a complaint with the CFPB regarding to 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 my concern about consumer protection laws, and I request your add investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

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 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I reported the experience that that was done my 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: 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 cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measures to prevent any address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive as they did not comply with error resolution under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial lost and inconvenience 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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 — Account information incorrect
Company: AmeriCollect
State: SC

Complaint narrative:
COMPLAINT : I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt.

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: NY

Complaint narrative:
I am filing this complaint because my direct deposit, which was sent to my Capital One account, has not been processed as expected. I provided the correct account and routing numbers to my employer, and they confirmed that the deposit was sent on [ date ], even providing me with a confirmation number. When the deposit didnt arrive, I contacted XXXX XXXX  customer service, but they were unable to locate the funds or provide a satisfactory resolution. Additionally, I have encountered ongoing technical issues with XXXX XXXX systems, including frequent app outages and delays in account updates, which have made it difficult to monitor my transactions and resolve this issue promptly. This delay has caused significant inconvenience, and despite multiple attempts to address the problem with Capital One, the matter remains unresolved. I am seeking assistance in locating my missing deposit and ensuring these technical problems are addressed to prevent further disruptions.

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: TN

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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have significant inconvenience and financial loss, and I see 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: MD

Complaint narrative:
I am filing this complaint due to Capital One 's failure to process my direct deposit in a timely manner and their lack of updates regarding the issue. I just switched my accounts over to Capital One this payroll. Capital One cited technical issues that began earlier this week, stating that they would be resolved by Friday ( today ). However, as of XXXX PM today, my direct deposit has not been credited to my account. 

Adding to my frustration, Capital One continues to send emails reminding me that my credit card payment is due, even though the funds needed for that payment have not been deposited into my account due to their system issues. With Monday being a federal holiday, this delay is especially concerning as it disrupts my financial and personal obligations. 

I believe this situation XXXX constitute a violation of the Electronic Fund Transfer Act ( EFTA ), which ensures timely and accurate processing of electronic transfers. Additionally, Capital One 's lack of communication regarding the resolution timeline leaves me concerned about my consumer protection rights under federal law.

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: MI

Complaint narrative:
My personal Information was exposed data breach. My information was exposed to identity theft resulting in several accounts of fraud on my report. I sent dispute letters to XXXX, XXXX AND TRANUNION to dispute and remove these accounts. I made a fraud report with the FTC for fraud and or identity theft.I am disputing the accuracy of the reported item under Section 605B of the Fair Credit Reporting Act. According to this section, negative information such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and a XXXX XXXX  bankruptcy could not remain on my credit report beyond XXXX years from the date of the event. The item in question is either outdated or inaccurately reported. Please investigate and remove this information from my credit report, as it no longer meets the legal reporting requirements under FCRA Section 605B.

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

Complaint narrative:
My personal Information was exposed data breach. My information was exposed to identity theft resulting in several accounts of fraud on my report. I sent dispute letters to XXXX, EQUIFAX AND XXXX to dispute and remove these accounts. I made a fraud report with the FTC for fraud and or identity theft.I am disputing the accuracy of the reported item under Section 605B of the Fair Credit Reporting Act. According to this section, negative information such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX  bankruptcy could not remain on my credit report beyond XXXX years from the date of the event. The item in question is either outdated or inaccurately reported. Please investigate and remove this information from my credit report, as it no longer meets the legal reporting requirements under FCRA Section 605B.

Company response to consumer: Closed with non-monetary relief