vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am following 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address the recent verification of my dispute regarding fraudulent items on my credit report, submitted under 15 U.S.C. 1681c-2. While I appreciate your attention to my identity theft claim, I am concerned that a certain account remains on my report, violating the Fair Credit Reporting Act ( FCRA ). Moreover, this account was previously deleted and subsequently reinserted without proper notification, which represents an additional violation of current regulations.

According to 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days. Therefore, any accounts that were not removed in compliance with this law must be deleted immediately.

Additionally, under 15 U.S.C. 609 ( a ) ( 2 ), consumers are entitled to an accurate report, and 15 U.S.C. 1681i ( 7 ) requires that any unverifiable information be removed from the credit report. 
Accounts in Dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Violation Due to Improper Reinsertion Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert previously deleted information without certifying its accuracy and notifying the consumer within five business days. In this case, I have documented proof that this account was deleted in a prior dispute and was later reinserted without proper notification, which constitutes a violation of the FCRA.

Furthermore, under 15 U.S.C. 1681s-2, information furnishers are prohibited from reporting inaccurate or unverifiable information. Since this account was previously deleted, its reinsertion without new verification violates my consumer rights.

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

Complaint narrative:
I am filing a complaint against Cash App ( 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 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: Early Warning Services, LLC
State: DC

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly ; y 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 CFBP 's findings indicate that Zelle has not only neglected to protect consumers but also has 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 customer 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Iam Filing a complaint regarding capital one 's failure to deposit my direct deposit from my employer, or any other deposits. They noted technical difficulties in their website and received an email stating that they were going to solve the issue by Friday morning of the date XX/XX/year>. This situation raises concern about consumers protection laws.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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: CO

Complaint narrative:
My payroll direct deposit has not hit my account & is not available to me today XX/XX/XXXX as it should be. Im filing a complaint with the CFBP regarding Capital Ones failure to deposit my direct deposit from my employer and any other 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 — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one has not given me my paycheck. Problems with 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: 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. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. This has caused significant inconvenience and financial loss and I seek appropriate redress

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 filling a complaint with the CFBP regarding capital ones failure to deposit my direct deposit from my employer and any 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 that 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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: LA

Complaint narrative:
I am filing a complaint with CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. 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: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NY

Complaint narrative:
The US dept of Education has two loans reporting on my account. One was for {$1700.00} and the other for {$46000.00}. The two loans have so many errors & incorrect data, and I have no clue where they got this information. For example, the loan for {$1700.00} isn't even a loan with the US dept of education. I've never received disclosures or notice about this loan being transferred or handled by the US dept of Ed or Nelnet. I wasn't even informed that Nelnet was the new servicer of the {$46000.00} loan until I tried settling the loan with a negotiable instrument, then a few days later I've received an email that US dept of Ed wasn't my loan servicer anymore, and Nelnet will be put in its place. 

The loan for {$1700.00} was opened in XXXX, of XXXX. 16 years ago, it was my knowledge that reporting of a student loan after 10 years fell off your report, I was told this by XXXX. So why is a loan from XXXX, that was never handled by the US Dept of Ed still reporting and showing incorrect information to make it seem accurate? They applied false information to my report to make it seem as if it was initially with the Dept of Ed the entire time. So either there is a huge error or a lie. 

The loan for {$46000.00}, reports it was opened in XXXX. Another error or false reporting. I am XXXX XXXX XXXX, XXXX would mean I was XXXX when I took out the loans and was in school. It's possible for a XXXX to be in college, but I was never in college at age XXXX. So why is it reporting data on my report that reflects an opening of XXXX? This doesn't only apply to the US dept of Education loans. Some other closed student loan accounts are showing XXXX as well. That shows blatant disregard for accuracy in reporting, which falls on the furnished, and the CRAs maintaining the reports. 

Today I received a notification from XXXX reported a XX/XX/XXXX XXXX Bankruptcy filing on my report, not sure where they got this information because the case has already been filed and dismissed. So doing a " report '' on the filing has just dropped my credit score by XXXX points! Not sure if that's an error on XXXX 's part of the US dept of Education. They are not reporting information accurately as required by law, causing me major harm to my consumer report and financial standing. It seems they keep changing the dates to extend the time it will report on my credit report. I say that because the closed accounts by the US dept of Ed also have incorrect data.

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:
I am writing to express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that highlighted major issues with the platform. Despite using Zelle frequently and reporting discrepancies in my transactions, neither my financial institution nor Zelle conducted a proper investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking these transactions could not be done. 

The CFPBs findings suggest that Zelle has failed to protect consumers and has allowed repeat offenders to abuse the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about the safety and fairness of the platform for its users such as myself.

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: WI

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: Early Warning Services, LLC
State: NY

Complaint narrative:
Zell 's handling of disputes is particularly concerning, 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, despite the various proof of information I provided for them. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the systems leaving us vulnerable to scams.

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:
On Thursday XX/XX/year> a deposit was deposited in my bank account for the amount of {$1000.00} which I didnt receive by Capital One Bank . I then contacted customer service which was not helpful, stating that they had a third party involved but wouldnt state what THIRD PARTY company it was. I lost time from work and couldnt feed my family for two days as well put gas in my vehicle. This is very disturbing as a company.

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:
Im filling a complaint with the CFPB regrading capital one failure to deposit my direct deposit from my employer and other forms of income. Capital one has cited technical difficulties, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires funds to be on time. I am requesting assistance in investigating the matter to ensure my right are upheld and that I am righted for my emotional and physical pain this has brought. 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I cant believe how much trouble a few wrong accounts can cause. Theyve dragged down my credit score and messed up my chances at things I worked hard for.

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

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX submitted a fraud claim to XXXX Capitol One, and XXXX. This claim stems from me accepting a fake remote job online from a person who acted as a professor for my school XXXX XXXX XXXX XXXX. I sent this fake professor personal information when accepting the job. After weird charges started to show up on my credit card accounts, and me sending payments to the fake professor for work supplies. I spoke with the XXXX XXXX XXXX asking if the professor really worked there and if this job was real. I was told no, but this was a big problem XXXX XXXX XXXX XXXX was facing at the time ( fraud/ scamming students ), and I was instructed to call my credit card companies and file a claim. In which I did on again XX/XX/XXXX, sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with XXXX XXXX of the issue. The fraud claim was accepted and I was told these accounts would be written off, closed and removed. I then leave the issue along thinking its been resolved. Time passes now in XXXX i XXXX  in XXXX, before my last semester I found out I ran out of financial aid. So I went to apply for some loans to make sure I get my degree for a job I had lined up. I ended up getting denied due to derogatory marks on my credit report being the same credit accounts XXXX, Capitol One, and XXXX that was associated with the fraud case. Upon looking at my credit report they were still listed on my report at just charge offs and the cards had looked as if they were still used for some time. I took action by contacting the credit card companies to which they stated the fraud claim is denied due to no police report. This was a contradiction to what was stated in XXXX, XXXX when the claim was accepted as fraud and I was told it would be removed. I took up more action by getting a police report this time, along with writing letters to the Capitol One, XXXX, and XXXX of the incident. As well as sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue again. In addition to a consumer report as well. I have yet to see these accounts removed, even though I have provided all necessary evidence, and they have found the claim to be true in 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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My deposit isn't available and I'm in need of household items & groceries.

I've had no feed for 3 days as of today.

I also need to pay a security deposit for a new apartment as I have lots of XXXX XXXX XXXX where I currently reside. 
Capital one needs to do better.

Thus isn't the 1st time this happened to me I took my husband to dinner & was unable to pay for my meal. I had to wait almost 2 hours later for my debit card to function again. that time they blamed master card But this time there's no reasoning or timing on fixing the problem

Company response to consumer: Closed with explanation