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: Early Warning Services, LLC
State: NC

Complaint narrative:
I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers 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: Early Warning Services, LLC
State: CO

Complaint narrative:
I have 2 separate times that money got sent out for XXXX and 2 other transactions for XXXX and 2 different times for XXXX but I did not authorize any of those transactions. These were sent to 2 different people that I am not familiar with. It did not give me an exact date but it said 10 months ago

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: FL

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 proces + 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 ( 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 procr 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. 
+ I want the CFPB to

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 information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This current {$99.00} annual fee is a charge imposed by Barclays bank against my will. I never give the bank consent to the {$99.00} fee for the fiscal year XXXX. I informed the bank after my first year. I do not owed {$100.00} Until now Barclays Bank has refused to remove the {$99.00} annual fee on the account ending in XXXX. Last year, I informed Barclays Bank that I did not want the card with the {$99.00} annual fee, and a Barclays Bank representative assured me that they would switch me to another card with no annual fee. 
If Barclays Bank decides to withdraw its offer, they are supposed to close the account instead of charging me another {$99.00} to renew the account for another year against my will. This practice is unfair, abusive, deceptive and constitute harassment. Also, it is a violation of my constitutional rights. 
You can not force a donkey to drink water if it doesnt want to. It is important to respect the free will and choices of others. Trying to force someone to accept something against his will is not productive and can lead to resistance or resentment. 
I am leaving you with those two quotes. When the rich steal from the poor, we call it business. When the poor fight back, we call it violence. XXXX XXXX XXXX mistake is forgivable because everyone makes a mistake. But gratuitous wickedness can not be forgiven because it is thoughtful, premeditated and intentional. 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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
15 USC 1637 ( b ), 15 USC 1681a ( 2 ) ( 1 ), 15 USC1666 ( b ), 15 USC 6802 reporting late payments without my permission or notification this is causing harm to my livlihood.

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 Electric 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: AL

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

Complaint narrative:
On XX/XX/year> I called Capital One because I usually get my deposit on Wednesday instead of Fridays. I asked if they didnt get the deposit or if there is any isssues. The rep in the phone said maybe it was my payroll and didnt release the funds early and to wait. On Thursday XX/XX/year> I saw news about issues with Capital One. Around XXXX XX/XX/year> they sent an email about having issues saying We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning Friday morning XX/XX/year> still no deposit when 100 % it shouldve been released. I called at XXXX XX/XX/year> it kept hanging up. At XXXX I called again waiting for a rep for 1hr and 30 mins I had to hang up because I needed to go in for work. On my lunch I tried calling g acain XX/XX/year> XXXX it kept hanging up XXXX I waited but it just said theres a long wait hung up again. The app still says since XX/XX/year> Restoration is underway to fix the issue my bills are behind no one answers there is no timeline. Unacceptable

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: IA

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 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 cause 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: MD

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: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
I have gone back and fourth with Chex systems trying to get all the fraudulent bank accounts removed from my Chex system record I am a victim of identity theft and I sent in a copy of my ftc identity theft report and my drivers license social security card everything and they have not blocked or deleted these fraudulent accounts showing up on my consumer file I need them to please update my file and delete these fraudulent accounts from my record as I am the victim

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:
I am filing a complaint with the CFPB regarding capital ones failure to deposit my direct deposit and incoming deposits. Capital one has cited technical issues, which may violate the electronic Funds Transfer ( 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: 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: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently response within 24 hours stating 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. 1681o. which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with Federal Law and provides consumers with the necessary proof of investigation. 

These are the accounts that are inaccurate : 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 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: NY

Complaint narrative:
Capital one has failed to deposit my direct deposit funds by my employer XXXX on Wednesday, XX/XX/year>. I called on XX/XX/year> and was told by capital one customer service that i should see my funds in 3 hours. I am still waiting for my funds. Capital one has cited technical issue which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, i a 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: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
year XXXX XXXX sent XXXX without verifying XXXX sent XXXX without veiryingif its the right person
XXXX sent XXXX  without verifying XXXX sent XXXX  without verifying

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: TX

Complaint narrative:
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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Since XX/XX/year>, the Capital One account has been charged off and written off for a total of {$11000.00}. The account was closed off at the credit grantor 's request. It is a violation of the FCRA to report it against me because, a " charge off '' mean an account was paid off by another party. It's collected income, and income is not reported on credit reports. I am supposed to receive a 1099 form that confirms that income was collected on my account.

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 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am writing to formally lodge a complaint regarding a frustrating and unresolved issue with TD Bank concerning a disputed charge. 

In XXXX, I visited a restaurant and made a purchase that should have been between {$25.00} and {$35.00}. However, within a day or two, I noticed a charge on my account for $ XXXXa gross overcharge. I immediately contacted TD Bank to dispute the transaction, explaining that while I recognized the venue, the amount was clearly an error. TD Bank issued a temporary credit while they investigated. 

Months later, I was shocked to find that the charge had been reapplied to my account. When I contacted TD Bank for clarification, they asked if I could provide a receipt for my purchase to prove the correct amount. I explained that I did not have the receipt and argued that the merchant, not the consumer, should be responsible for providing proof of a valid chargeespecially for an amount this large. 

To date, I have received no receipt, documentation, or evidence from the merchant or TD Bank that justifies this charge. It feels incredibly unfairand perhaps even predatorythat a bank would side with a merchant in the absence of proof while placing the burden of evidence on the customer. 

This situation raises a broader concern about how banks handle disputes. If a consumer were to purchase something small, such as fast food, its unreasonable to expect that they could provide a receipt days, let alone months, later. Yet, banks like TD seem comfortable holding consumers accountable for errors without requiring the same accountability from merchants. This is why I want to close all of my accounts. 

I believe this practice is not only unfair but also reflective of a systemic imbalance that prioritizes the interests of merchants and banks over those of their customers. I am seeking CFPBs assistance in ensuring that TD Bank addresses this dispute appropriately and that such practices are scrutinized to prevent further harm to consumers. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Portfolio recovery, XX/XX/year> Amount {$1400.00} disputed and wasn't resolved

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: RI

Complaint narrative:
Subject : Request for Deletion of Inaccurate and Unverifiable Accounts and Upholding of Consumer Rights Dear Experian Dispute Department, This letter formally requests the immediate deletion of all unverifiable, inaccurate, and incomplete accounts from my credit profile. I assert my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of my credit report. 
Specifically, I demand the removal of the following accounts submitted. 
These accounts are either unverifiable, inaccurate, or incomplete, and their presence on my credit report negatively impacts my creditworthiness. I have previously disputed these items, but they were reinserted without proper investigation or adherence to FCRA guidelines. 
I am aware of the recent lawsuit filed against Experian by the Consumer Financial Protection Bureau ( CFPB ). The CFPB alleges that Experian failed to investigate consumer disputes adequately and reinserted previously deleted accounts without following FCRA regulations. This conduct is unacceptable and demonstrates a systemic disregard for consumer rights. 
As a consumer, I have the right to : Accurate information : My credit report must contain only accurate and verifiable information. 
Dispute resolution : Experian must conduct a reasonable investigation of disputed items and provide me with the results. 
Proper reinsertion : If a previously deleted item is reinserted, Experian must provide me with notice and an explanation, including the source of the new information. 
I demand that Experian : Delete all unverifiable, inaccurate, and incomplete accounts from my credit report. 
Conduct a thorough investigation of all disputed items. 
Provide me with written confirmation of the actions taken. 
Ensure that all future actions comply with FCRA regulations. 
I expect a prompt and satisfactory resolution to this matter. If my request is not fulfilled within 30 days, I will consider further legal action to protect my rights. 
Sincerely, 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