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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Subject : Missing Direct Deposit Due to Service Disruption On Wednesday, XX/XX/year>, I was scheduled to receive a direct deposit of {$2000.00} from my employer into my Capital One account. Despite the funds being confirmed as sent by my employer, the deposit has not been credited to my account as of today, XX/XX/year>. 

I contacted Capital One customer service on XX/XX/year>, and was informed that there is an ongoing issue affecting deposits due to a service disruption. However, I was not given a clear timeline for when this matter would be resolved or alternative solutions to address my immediate financial needs. 

This delay has caused significant financial stress, as I rely on this deposit for essential expenses. I request an immediate resolution and clarification on when the funds will be available in my account. Additionally, I would like an explanation of the issue and what steps are being taken to prevent such disruptions in the future.

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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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: MO

Complaint narrative:
I am filing this complaint against Capital One due to their ongoing technical outage, which has prevented access to my direct deposit since XX/XX/year>. 

This delay has caused the following issues : XXXX. Late fees on multiple accounts. 
XXXX. Risk of utility disconnection. 
XXXX. Potential negative impact on my credit score. 
XXXX. Unable to purchase necessities, including food, household items, daycare, and gasoline for transportation to work. 

I have contacted Capital One, but no resolution has been provided. I am requesting assistance in securing access to my funds and reimbursement for damages caused by this delay. 

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: 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
On XXXX XXXXXX/XX/year>, I noticed I didn't get my direct deposit as I normally do every XXXX, bi-weekly. I discovered that there was an issue with the direct deposits for Capital One via XXXX. I did not receive a notification from Capital One until late Thursday. I have tried to reach Capital One via email and XXXX, but my messages are either left unresponsive or undeliverable. There is no proper explanation for why I can not access my money and no timeline for when the issue will be fixed.

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:
My primary bank where I receive my paychecks is Capital One, and each Wednesday I receive an early deposit, but I have not received anything this past week. I was expecting a paycheck from my employer, estimating about {$600.00}, but it is now XXXX days past, and I have yet to receive anything. Capital One barely sent out an email about the issue on XX/XX/XXXX at XXXX, even though the issue had started as early as XXXX XXXX XXXX XXXX

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: CITIBANK, N.A.
State: NC

Complaint narrative:
I am employed by a home building business. A couple years or so ago, I opened a credit card at XXXX XXXX for that business. Only to later find out, that I was unaware of the fact that that credit card was tied to my personal credit, not the business or the business owner. I do remember giving them the business information for the account, not even sure how it got connected to my personal information. That was never explained to me while opening the credit card. The woman in store who opened that account for me knew that it was to be opened for a business ( not my business ) and did not advise to have the business owner present for opening of said credit card. 

Fastforward to XX/XX/2025, the business owner wanted to increase the credit limit on that card, so we called and inquired about an amount increase. Prior to asking for that increase, it was not disclosed that there was going to be a hard pull on my personal credit, not to mention the fact that I had no idea this supposedly " business '' credit card was even connected to my personal credit. It was only after the woman increased the credit limit that I had to take the initiative to ask if it was a hard credit pull ( thinking it was a hard pull for the business owner and realizing that should've been disclosed ) and then I was made aware that it was a pull on my personal credit, not the business/business owner because it is not a business credit card account, but has to be tied to a person and I just so happened to be that person because I was the XXXX in store opening the account ( none of which was disclosed or explained to me in store ). I have permanently closed that credit card, and I am requesting a reversal on the hard credit pull since I was never made aware of the hard pull on my personal credit prior to the inquiry. Home Depot and Citi Bank recorded the phone conversation. If they will give you the recording, it is clear that the hard credit pull disclosure was never 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 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: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to an 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 is 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: VA

Complaint narrative:
I am filling a complaint against cash app ( block, inc. ) due inadequate customer service and unfair practices, which violates 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 a significant inconvenience and financial loss, and I seek an 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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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: MD

Complaint narrative:
Currently Capital One Bank is experiencing technical issues causes many customers, like myself, to not have access to their direct deposit. This is causing a financial burden! I've tried to reach out to Capital One to get an update but the line goes dead. Many people like me have obligations and no other source of income to take care of debts and routine financial/living responsibilities. Please look into this further and Capital One should be held accountable for losses that customers are and will experience due to this issue.

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

Complaint narrative:
Im 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 effective measures to prevent and address fraud on their platform, leaves my account vulnerable and unprotected. Furthermore. Their dispute resolution requirement 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I purchased something from XXXX turned out to be a scam for {$40.00} using my cash app account. I tried multiple times with cash app to rectify my claim they said I would not be compensated because they are not fdic insured. It was extremely hard to speak to anyone and they kept looping me back to repeat steps i had already done. Eventually I just gave up.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Kindly block and remove the unauthorized accounts from my credit report promptly. I did not authorize or create these accounts, and I have no knowledge of their origins. According to USC 1681g, I am requesting their removal within 15 days. Enclosed are the necessary documents for your review and reference.

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: NJ

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 that they have been aware of since XX/XX/year>, however they have only sent a formal notification ( via email ) to their customers regarding the matter on the evening of XX/XX/year> ( it was sent at approximately XXXX XXXX on XX/XX/year> on my email ). In this email, they have mentioned that the technical problems are expected to be resolved by the morning of XX/XX/year>. However, upon checking my checking account on XX/XX/year> at XXXX EST ( XXXX XXXX, the issue still remains and my direct deposit from my employer has still not been received by me. I have tried directly contacting Capital One multiple times, but they have yet to respond to my calls, or provide me any updates regarding the situation. This may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about customer 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 card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On XX/XX/year> I called paypal to advise they had two payments pulling on my account and wanted one payment stopped. I was advised it was high call volume and he would investigate the issue and call me back. I was called back and told paypal has having hacking issues and he needed to access my cell to fix the issue. I let him in and he did not go to paypal he went into my banks and cards. When I tried to hang up he had control and I could not. He hacked into my IP address, emails, banks and all credit cards I told Paypal and they claimed they set up a fraud case. I recieved an email saying it was denied as I used my paypal. I just realized today they never fixed any of the fraud as I accidentally paid the XXXX XXXX for XXXX which also was fraud and The XXXX is XXXX and XXXX for XXXX. He had purchased gift cards. I am told to go to the resolution center to appeal my cases. When I go into the site there are no open cases or prior showing up so I have no way of fixing this. I want the XXXX removed to not hurt my credit and the XXXX returned as a credit as when I paid in full I did not realize I was paying the XXXX XXXX frauds at the time.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically Cashapp failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute solution process was unfair and deceptive, as they do not comply with error solution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations 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