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: 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: IL

Complaint narrative:
account. 
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 and your account. 
( 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 Experian 's inaction violates federal law and my rights as a consumer I wont all accounts REMOVED

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 — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed and asked for verification with Equifax of a debt of {$29.00} listed as a derogatory debt owed to XXXX XXXX XXXX XXXX ( XXXX ). I also wrote XXXX XXXX XXXX at their address of XXXX XXXX XXXX # XXXX, XXXX, Florida XXXX with a debt. They did not respond within 30 days and their website XXXX shows they are permanently closed. ( see link below. Equifax has listed the {$29.00} alleged debt as disputed but have refused to verify it per the FCRA section 611 or remove it from my Credit Report causing my XXXX score to drop XXXX points. XXXX could not provide me with verification of the debt, what it was for, or any contract that substantiated it. Neither could Equifax. 
Nevertheless, Equifax refused to remove the derogatory {$29.00} and has violated the FCRA sec 611 et alia. Their website is non responsive, not allowing log-in. 
.Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX? XXXX % XXXX & XXXX % XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XX/XX/year> : XXXX was on but locked. 
Pop up : Your XXXX has been locked due to detected illegal activity.Your XXXX Account has been XXXX! 
Immediately call XXXX XXXX XXXX ( XXXX ) XXXX to unlock it!. 

This is the XXXX apple support number I called. They transferred me to XXXX so I have no idea of an actual phone number. 

Proceeded to handle it - as I perceived fraud. I then noticed several charges for a gift card company and XXXX  used until my credit limit was reached. 

XX/XX/year> : Another pop-up was sent to my phone. I took pic and shut off phone, then restarted. Changed password. 

Several dispute attempts. 
Card deactivated and CLOSED Account when verified charges I DID make left balance of {$0.00}

Company response to consumer: Closed with 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: IL

Complaint narrative:
Re : Inaccurate and Unverifiable Accounts Listed on My Credit Report Per the Fair Credit Reporting Act, 15 U.S.C. 1681, please physically verify and validate as required under the FCRA ALL of the following data on all the below accounts : ALL DATES, FULL ACCOUNT NUMBER, ACCOUNT STATUS, PAYMENT STATUS, ACCOUNT BALANCE, HIGH BALANCE, TYPE OF ACCOUNT, CREDIT LIMIT, DATE OPENED, MONTHLY PAYMENT AMOUNT, PAST DUE AMOUNT, ORIGINAL AMOUNT OF TRANSACTION/LOAN, DATE OF LAST PAYMENT, DATE OF LAST ACTIVITY, AND REMARKS. 

XXXX XXXX services {$470.00} XXXX {$19.00}

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: MI

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 income deposits.

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: AL

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) regarding inadequate customer service, failure to safeguard my account against fraudulent activities, and non-compliance with legal protections afforded under the Consumer Financial Protection Act ( CFPA ), the Electronic Fund Transfer Act ( EFTA ), and Regulation E.

Specifically, Cash App failed to take timely and effective measures to prevent and mitigate fraudulent activity on their platform, leaving my account exposed and unprotected. Additionally, the dispute resolution process employed by Cash App was both unfair and deceptive, falling short of the error resolution requirements mandated under EFTA and Regulation E. 

These failures have resulted in significant financial losses and inconvenience to me as a consumer. The lack of proactive fraud prevention, coupled with an ineffective and legally non-compliant resolution process, represents a clear violation of consumer protection laws. 

I respectfully request that Cash App provide appropriate redress for these violations, including compensation for my financial losses and steps to ensure compliance with applicable laws moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

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 2025-01-17 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: MO

Complaint narrative:
I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant issues with the platform. 

Having used Zelle on multiple occasions and reported discrepancies, I am deeply disappointed by the inadequate investigation into my claim. Despite my efforts, both my financial institution and Zelle have informed me that recovering the lost funds is impossible and that tracking the transaction is unfeasible. 

The findings from the CFPB indicate that Zelle has failed to protect consumers effectively, enabling repeat offenders to exploit the system and leaving users vulnerable to scams. The lack of accountability and transparency surrounding this issue is troubling and raises serious concerns about the safety and security of users on the platform. 

I urge you to take these concerns seriously and consider the broader implications for consumer protection within XXXX operations.

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: NC

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 tak timely and effective measures to prevent ar 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: CA

Complaint narrative:
XX/XX/XXXX did not receive my direct deposit from my employer and can not access my savings money and can not transfer or XXXX any money out. It's been XXXX days and they have not deposited my direct deposit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am writing to dispute the accuracy of a collection account that appears on my credit report. I believe this account is either inaccurate, outdated, or incorrect for the following reasons : The debt is past the statute of limitations for collection and should no longer appear on my credit report. The collection agency also violated the Fair Debt Collection Practices Act by contacting you at inappropriate times or failing to validate the debt. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any incorrect, outdated, or unverifiable information removed from my credit report. I am requesting that you investigate this collection and remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This has to do with Capital One 360 Savings. 

A while ago we happened to notice that our interest rate was stagnant at a very low rate although we saw advertisements for what we thought was the same product at much higher rates. After contacting them, they told us that we did not have the right account. We had a Capital One 360 Savings account NOT a Capital One 360 Performance Savings account. the names were almost identical. 

We asked why not just put into the " new '' product and were told that we need to open new accounts and then transfer the money from the old accounts to the new accounts. This seemed ridiculous at the time, but we did do that. 

Now it seems that there are a large number of people who were tricked into believing that their normal savings account was the same as this " new '' product. So for years, when we thought our savings rate was following the advertised rate for the new product with an almost identical name, we were mistaken. 

This absolutely seems like a very deceptive business practice.

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 complain against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the consume 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: OK

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electric Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Have not received direct deposit for 2 days now. CApital one sent an email out last night but that was it, said it would be fixed by this morning ( XX/XX/year> ) and still not working at XXXX. 

I have not received my paycheck, but they can still take bills out from my car loan etc.

Company response to consumer: Closed with explanation
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: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
Barclay 's Credit Card charging interest twice a month but won't tell me why, the manager and call centers won't give me accurate information

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: 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 make 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 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 card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX XXXX XXXX about my card ending in XXXX asking when will my payment be available and was told in XXXX business days. Once I saw the payment wasnt available for use on my credit card, I contacted them and was told the account was closed because of possible fraudulence. When I asked who reported fraud, I was told they wasnt sure if my new mailing address was fraudulent which didnt make sense. So, they closed my account. 

I would like this information removed from my credit report and any remaining balance. I find it odd they closed it on XX/XX/XXXX reporting my account as a loss when I had been paying on time.

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

Complaint narrative:
I was suppose to have my direct deposit go into the capital one checking account on XX/XX/XXXX, the latest XX/XX/XXXX because of the early pay access. They keep saying its a technicality issue and that they cant do anything mean while i have no money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello, i am filing a complaint with the CFPB regarding Capital ones failure to deposit my direct deposit from my employer. Capital one says its caused by technical issues with a 3rd party which may violate the ETFA as it requires timely access to funds. This is raising concerns about consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I had an outstanding debt with XXXX XXXX  regarding some dental work. The dental work was originally covered by insurance and then some XXXX to XXXX  months later the insurance denied coverage for some of the work so they're wound up being a outstanding bill. 

Since it was unexpected since it was originally covered I thought by insurance I started making payments immediately which I have proof of on XXXX XXXX 's website and receipts for each payment. 

I then concluded the payments by making a lump sum payment after I'd saved up a XXXX or XXXX months after making payments to finish the lump sum payment. 

Suddenly a collection agency started calling and sending letters. I explained to them that the bill had been paid and that I had not failed to pay it I had made payments on their website using the partial payment button and method and that it was paid in full. 

Their replies they wouldn't have it if it was paid in full and that XXXX XXXX  would not deal with me if I tried to call them and then I'm going to have to go through them to resolve this issue. I have all the proof that shows the bill has been paid before Harris and Harris started calling and sending demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Sent money but didnt get a chance to check to see if it was the right person. Money was takes right out of my account

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 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

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

tices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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