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: NY

Complaint narrative:
Experience has failed 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 systematic issues such as failing to forward consumers- 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 have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 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 — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
My direct deposit was sent from my employer to Capital One on Wednesday XX/XX/XXXX and as of Friday, XX/XX/XXXX, it is still not available. The company states they have an outage that is affecting direct deposits. My cable bill, car payment and XXXX have now been rejected due to the lack of my deposit being posted. I now have late fees and disconnected services because of this and have missed a day of work because I need my internet service in order to work. I do not have funds for food at the moment either due to not having access to my direct deposit.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial.Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

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

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

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 ad 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: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint concerning a medical debt reported by Wakefield & Associates that is adversely affecting my credit report. Despite disputing this debt, it was returned as verified. I believe this debt is inaccurately reported and should be removed immediately based on the following grounds : 1. Violation of Recent CFPB Rule on Medical Debt Reporting : On XX/XX/year>, the Consumer Financial Protection Bureau ( CFPB ) finalized a rule prohibiting the inclusion of medical debts on credit reports used by lenders. This rule is expected to remove approximately {$49.00} XXXX in medical bills from credit reports, benefiting about 15 million Americans. The CFPB has determined that medical debts provide little predictive value regarding a borrowers ability to repay other debts and that consumers often receive inaccurate bills or are asked to pay amounts that should have been covered by insurance or financial assistance programs. 
2. Unauthorized Access to Medical Information : I did not authorize Wakefield & Associates to access or use my personal medical information. Their possession and use of such information without my consent may constitute a violation of privacy laws, including the Health Insurance Portability and Accountability Act ( HIPAA ). I am now a victim of Identity theft and do not consent to this debt. 
3. Negative Impact on Financial Well-being : The presence of this disputed medical debt on my credit report has hindered my ability to achieve financial success. It does not accurately reflect my creditworthiness or character and has impeded my access to financial support, including loans and other credit opportunities. 
4. How can I owe a {$970.00} balance to Wakefield & Associates when I never had a copy of the original agreement nor have they provided me paperwork stating that I have agreed and consented to paying this debt? 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

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: TN

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. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. XXXX

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 violate the customer Financial Protection Act ( CFPA ). Cash app failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

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. 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: MO

Complaint narrative:
Capital One has not released my direct deposit to my account due to now fault of my own

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: VA

Complaint narrative:
I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Customer 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 the 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: IL

Complaint narrative:
I am filling a complaint with the CFPB regarding Capital One 's Failure to Deposit my direct deposit from my emploeyers and any other incoming deposits, Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it required timely access to funds. This situation raises concerns about consumer protection laws, and i request your assistance in investigation 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:
capital one still has not released my direct deposit into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im unable to login into my Experian account due to my ex partner committing identity fraud. I have a new phone number and email so I cant receive the verification code being sent to verify me. I was able to freeze my credit but now im unable to lift the freeze? How inconvenient

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I attempted to reach out to XXXX again spoke with a rude representative by the name of XXXX who advised me that I didnt like what she was saying which all I told her was that I dont recall the addresses verbatim. If I provide you with my current and previous address common sense would tell you to remove everything else. I would like the agent reprimanded and since everytime I submit a dispute it comes back in less then 2 weeks. Due to this I reached out to one of the creditors they advised me that they would send me a packet then reach out to creditor to advise with XXXX they just say its yours so why do I get a different outcome when I attempt to call. I have received several letters about my information being breached but they never seem to address that. 

XXXX XXXX : XXXX XXXX never lived there or attempted to stay there I used an apartment locator XXXX XXXX because I have an eviction XXXX  XXXX XXXX same as above XXXX XXXX- {$360.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX I was living at XXXX XXXX XXXX XXXX XXXX, TX XXXX. I already had a place and moved into my new place XX/XX/year>. 

Information listed below is for Equifax : I sent several letters to update my address due to constantly receiving notice of data breach letters information was never updated Inquiry : XXXX XXXX- should have been removed XX/XX/year>XXXX  still on my report Disputes : XXXX  XXXX XXXX not aware of account requested information never received it XXXX- XXXX not aware requested account information never received XXXX- XXXX not aware of account requested information never received account verification information XXXX- XXXX- XXXX not aware of account requested information never received account verification information XXXX XXXX XXXX not aware of account requested information never received account verification information XXXX- XXXX not aware of account requested information never received account verification information It is very upsetting that you send several letters to the bureaus but they dont even investigate they wait 14 days then send letters saying the disputes are complete. However when the consumer reaches out to the creditor its a different outcome. This is a huge inconvenience because I need a car but first I have to clear these discrepancies with the bureaus who are not consumer friendly.

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: Early Warning Services, LLC
State: AZ

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 thoroughly. I was informed that recovering lost funds was impossible and that tracking these transactions couldn't happen. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to take advantage the system, leaving users vulnerable to scams. The 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX continues to lie and take responsibility at the same time. I recorded a face to face meeting with XXXX XXXX XXXX  and in this legally acceptable recording, they clearly reject and deny what XXXX continously attempts to project too me through their own responses. Which is blatantly false, filled with lies and misinformation by XXXX. The recording states that XXXX  has provided no such approvals to XXXX XXXX XXXX In fact in this recording they agreed based on their own personal inspections of my multiple issues the following : they agreed the jobs were not done legally or properly thus not a complete or proper job ( s ) were done. Illegal. Out of code issues. etc. No permits. And damages caused by such. No emails that i have sent for months now have been replied to by XXXX, as well as my documented call logs etc ignored. The only time XXXX  has responded too me is through XXXX  or the federal complaint I filed previously, that can be observed through this attached document. XXXX has continuously lost in court in regards to this XXXX and XXXX  contract they approved and accepted. Their denial of any responsibilities and at the same time in these response complaints they also allegedly take responsibility by allegedly making efforts. However in filing responses too my fed complaints they signed off on not lying and being truthful. Clearly they lied about XXXX XXXX XXXX and fixing the multitudes of issues I'm being forced to pay for that were not completed or even done legally.. As can be annotated by the attached letter from XXXX  and my recording of XXXX XXXX XXXX showing XXXX XXXX XXXX  the letter XXXX  wrote previously to my federal complaints. 

I can upload the face to face recording if requested.

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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX continues to lie and take responsibility at the same time. I recorded a face to face meeting with XXXX XXXX XXXX and in this legally acceptable recording, they clearly reject and deny what XXXX continously attempts to project too me through their own responses. Which is blatantly false, filled with lies and misinformation by XXXX. The recording states that XXXX  has provided no such approvals to XXXX XXXX XXXX. In fact in this recording they agreed based on their own personal inspections of my multiple issues the following : they agreed the jobs were not done legally or properly thus not a complete or proper job ( s ) were done. Illegal. Out of code issues. etc. No permits. And damages caused by such. No emails that i have sent for months now have been replied to by XXXX, as well as my documented call logs etc ignored. The only time XXXX  has responded too me is through XXXX or the federal complaint I filed previously, that can be observed through this attached document. XXXX has continuously lost in court in regards to this XXXX  and XXXX  contract they approved and accepted. Their denial of any responsibilities and at the same time in these response complaints they also allegedly take responsibility by allegedly making efforts. However in filing responses too my fed complaints they signed off on not lying and being truthful. Clearly they lied about XXXX XXXX XXXX  and fixing the multitudes of issues I'm being forced to pay for that were not completed or even done legally.. As can be annotated by the attached letter from XXXX and my recording of XXXX XXXX XXXX showing XXXX XXXX XXXX the letter XXXX wrote previously to my federal complaints. 

I can upload the face to face recording if requested.

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: MO

Complaint narrative:
I am filing a complain 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. 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: Early Warning Services, LLC
State: NJ

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 fell 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 also allowed repeat offenders to exploit the system leaving users vulnerable to scams. 
The 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: 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:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 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: CT

Complaint narrative:
Multiple overdraft fees posted on my monthly statement when money was shown there on the account since XXXX

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