vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: 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 ( EFTA ) and regulation E these actions have caused significant inconvenience and financial loss and I seek appropriate redress

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

Complaint narrative:
I am filling a complaint with the CFPB regarding Capital Ones 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 ) at 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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute inaccuracies on my credit report. Specifically, I have identified XXXX accounts listed under my name that I have no knowledge of. XXXX XXXX XXXX XXXX XXXX. I am requesting an immediate investigation into these discrepancies and the removal of these accounts from my credit report, as they are not valid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

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 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want reported accounts removed.

Account: XXXX XXXX XXXX DISPUTED 10/10/XXXX  Dispute XXXX XXXX XXXX 04/11/XXXX
Dispute XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. As a consumer, I have the right to ensure that all information reported by your agency is accurate and verified under the Fair Credit Reporting Act ( FCRA ). 

It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed legal action against Experian for failing to properly investigate consumer disputes. As such, I am requesting that you thoroughly investigate and verify the disputed items listed below in accordance with your legal obligations under the FCRA : According to FCRA XXXX XXXX, I have the right to a full investigation of all disputes and to receive timely communication regarding the outcome. If these accounts can not be verified or corrected, they must be removed from my credit report immediately. 

Additionally, please provide written confirmation that you have received this dispute and are conducting a proper investigation, as required by law. I will follow up in 30 days to ensure compliance and resolution of this matter. 

Thank you for your prompt attention. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, Upon reviewing my XXXX XXXX, discovered some Instances of collections on an account for which I have always maintained timely payments. XXXX XXXX XXXX play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. The activity dates are inaccurate on XXXX or more credit reporting agencies. 
The following account : XXXX XXXX XXXX XXXX, account number XXXX shows multiple discrepancies. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the accuracy of this account. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have called Capital One in different occasions asking the reason why the interest rate on my credit card is so high and they always say oh its based on the purchases however I dont really use that card for a lot of purchases every month. Yes, I have purchases however I dont use that card every month And Im paying almost XXXX XXXX monthly and then with the interest rate they charge me is close to {$200.00} so how am I ever going to finish paying that credit card off? Theyre just doubling up the money and Im living paycheck to paycheck.

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

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 wit error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices. Which violates the consumer financial protection act ( CFPA ). Specifically cash app failed ro rake 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 electronic funds transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial lost and i seek appropriate redress for these violations.

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

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 very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing formally to express my concerns regarding Zelles handling of disputes, particularly in light of the of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle various times and reporting discrepancies, my financial situation and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds are impossible and that tracking these transactions were unfeasible. The CFPB listings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want reported accounts to be removed. 
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 non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
my job direct deposit to my account. I heard on the news about an issue with a third party vendor and my deposit is delayed. Today is friday they are closed on the weekend and monday is a holiday. My account is negative because they haven't fixed the issue.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
The problem is with Wells Fargo Bank. I disputed charges on my account from a company called XXXX for a XXXX  business. The promise me that my E-commerce website would be successful in selling products and it wasn't. I paid XXXX for an upgraded package to boost sales and it did not boost it. So I filed a dispute with Wells Fargo and they credited it back to my account. My father died on XXXX XXXX XXXX I spent my entire savings of over XXXX on his funeral and burial. I had to apply for a car title loan. I received the money for the loan in my account. The day of my XXXX funeral, I tried to get a ride with XXXX after the repass and I my bank account declined. I was stuck without a ride home. I checked my account and saw where Wells Fargo went and took the money they credited me back out of my account. I had over XXXX in my account. They took it because I didn't reply to the letters they sent me about the claim. My father had just died. I was running around town make arrangements, and planning his services. I was not only grief stricken, I was mentally and physically exhausted. I forgot about checking my mailbox. So, Wells Fargo took my money back out of my account. I received my Social security payment and it's gone too. I am over XXXX in the negative in my account now. I have no money. I have to pay back the title loan or I'll lose my car. Wells Fargo Bank has devistated me. Leaving me with no money. I want my money back in my account that they put in there when the XXXX company didn't fulfill their promises. I want my money back. Please, please help me! My l Wells Fargo account number is : XXXX. The claim number is : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: RI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Disputed items on XXXX as of XXXX only XXXX changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Disputed items on XXXX as of XXXX only XXXX changes have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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 Capital Ones 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. The 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 2025-01-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Let me say it again : at that time, I was very clear in asking XXXX XXXX whether there were any account opening promotions. I have a U.S. address and I am a U.S. XXXX XXXX holder. If there were promotions, I asked her to inform me. She chose to say there were none, which is outright deception! It's not about me needing to meet all the conditions before you tell me about the promotion ; rather, you should have told me about the promotion first so that I could check if I met the conditions, not the other way around! XXXX XXXX 's explanation is just a weak excuse! I even asked XXXX XXXX if a U.S. address was necessary, and she said it wasnt, that overseas addresses were finethis is blatant misinformation, isnt it? She first said there were no promotions and then said a XXXX address wasnt required. This obvious deception and misinformation is being denied as the bank 's fault? Not to mention the extreme chaos in HSBC 's managementafter scheduling an appointment with the relationship manager, when I arrived, the person wasnt even there. The bank didn't apologize for leaving the client hanging and even refused to process my account opening. Eventually, after some effort, they randomly assigned someone to help, which shows how irresponsible they were. The " 2024 XXXX Int. XXXX. Offer Terms.pdf '' file attached in this reply was never even mentioned by XXXX XXXX. I asked her multiple times if there were any account opening promotions, and she repeatedly said " No. '' If you had simply informed me of the content of this document, I could have decided for myself whether I met the conditions! But HSBC completely deceived the customer and disrespected my right to be informed, and now youre making excuses saying I dont meet the conditions! The problem is that you never let me fill in a U.S. address, and you never told me about an account opening promotional offer, so how could I meet the conditions? How would I know what conditions I need to meet? Isnt this the core issue? The bank is trying to cover up their contempt and disregard for the customer 's right to be informed with various excuses, which is truly infuriating! Clearly, I was fully eligible to meet the conditions for the promotional offer rewards, yet Ms. Lu, the relationship manager, deliberately misled me into not filling in a U.S. address, which resulted in me being unable to meet the conditions. Isnt this blatant deception?

Company response to consumer: Closed with explanation