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: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
i am asking to investigate a fraudulent account on my credit report. i have contacted the bureaus and there communication of not 100 % consistent from the online portals, to customer service. This is a fraudlent account reporting to my credit report and i am asking for it to be removed from my credit report. 

Account XXXX XXXX XXXX {$920.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app closed my account for someone taking money off of my cash app than they closed it and I can get my money off they said its nothin they can do plus I gave them my social security number

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 receive my bi-weekly direct deposit through Capital One Bank. I usually receive my deposit Wednesday night or XXXX  morning. Today is XXXX my original pay day I was not informed of an issue until Thursday evening which stated they are having technical difficulties and the issue should be resolved by XXXX morning. I have not received my direct deposit and after calling Capital One several times staying on the line for XXXX hours to still not get any answers. No updates, no resolution and no direct deposit.

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:
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 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: MN

Complaint narrative:
I am writing to fully express my concerns regarding zelles handling of disputes particularly in light of the recent CFPB lawsuit highlight significant issues with the platform .Despite using Zelle numerous time 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

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 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
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 failure to make available my Direct Deposit money coming from my employer, also not releasing the payment ( ACH ) to a loan I submitted payment for.

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 filing a complaint because my bank, Capital One, has not send in my direct deposit. They are withholding my funds, because of technical difficulties which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires a timely manner to deliver the funds. I am worried about my protection as a consumer & member of Capital One for my information and money. I would like to resolve this issue and asking for your assistance to investigate the matter, so that I am ensure my rights are being taken into consideration and upheld by Capital One. Thank you very much!

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: CA

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 responds within XXXX 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. 1681i, 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 I marked as inaccurate : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Heres a brief summary of what happened : You discovered inaccuracies on your credit report, such as incorrect charge-off dates, high balances, and last activity dates for several accounts, including XXXX XXXX, XXXXXXXX XXXX XXXX and Verizon.These errors have negatively impacted your ability to obtain credit. You are disputing these inaccuracies and requesting either verifiable proof of the account details or immediate removal of the accounts from your credit report as required under the Fair Credit Reporting Act ( FCRA ).

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 information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Heres a brief summary of what happened : You discovered inaccuracies on your credit report, such as incorrect charge-off dates, high balances, and last activity dates for several accounts, including XXXX XXXX, XXXX Bank XXXX and Verizon.These errors have negatively impacted your ability to obtain credit. You are disputing these inaccuracies and requesting either verifiable proof of the account details or immediate removal of the accounts from your credit report as required under the Fair Credit Reporting Act ( FCRA ).

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: GA

Complaint narrative:
I am writing to formally express my concernns 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

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: TX

Complaint narrative:
There are accounts listed on my credit report that are incorrect and should not be associated with my name. This is not only unfair, but also alarming, as I have neither participated in nor authorized any activities related to these accounts. If you do not thoroughly investigate and correct these discrepancies, I will have no choice but to pursue legal action.

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: LA

Complaint narrative:
I am filling a complaint with the CFPB regarding Capital Ones failure to deposit direct deposit from my employer and any other incoming direct deposit. 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of changes and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances dispute initially available funds. I believe these practices are unfair and request a investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
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:
I receive my paycheck via direct deposit. My direct deposit should have arrived in my account on XXXX in the amount of {$1500.00}. My bank, Capital One, has sent an email that they are have a technical issue with a third party. No other details we given other than it will be fixed as soon as possible. This is unacceptable! I, like many Americans, rely on each paycheck to pay bills and purchase food for my family. I am unable to care for my family while Capital one is holding my hard earned money due to a technical issue. Capital One needs to be more transparent as to the cause of the issue and a timeframe for correct as well as some financial assistance to those customers affected.

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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filling a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ) is U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also XXXX  the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceedings ( File XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies w/ federal law and provides consumers with the necessary proof of the investigation. XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance and speedy cash {$530.00} balance.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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: AL

Complaint narrative:
My account was closed in 2018 due to overdrafts and when trying to pay the completely closed me out

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I sent letters to the CFPB, XXXX, XXXX and Transunion, for all of my information on my credit reports to be removed, per the FTC privacy laws under 15 USC 1681, which guarantees the safety and privacy of my personal information. After being made aware of the Social Security Data breach where more than XXXX XXXX numbers were breached, I no longer feel that any security/blocks/freezes put in place at credit companies are safe and private. If hackers can get into a government website and obtain such critical information, hackers can certainly hack into a companies system to finish what they started. I believe it is within my right to request a 100 % clean sweep of all information included in any and all credit bureaus, including but not only, XXXX XXXX and the other 3rd party companies holding my life 's movements in their files. 51 years and 87 pages worth to be exact. I want it gone and by law I can demand it.

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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I sent letters to the CFPB, XXXX, Equifax and XXXX, for all of my information on my credit reports to be removed, per the FTC privacy laws under 15 USC 1681, which guarantees the safety and privacy of my personal information. After being made aware of the Social Security Data breach where more than XXXX XXXX numbers were breached, I no longer feel that any security/blocks/freezes put in place at credit companies are safe and private. If hackers can get into a government website and obtain such critical information, hackers can certainly hack into a companies system to finish what they started. I believe it is within my right to request a 100 % clean sweep of all information included in any and all credit bureaus, including but not only, XXXX XXXX and the other 3rd party companies holding my life 's movements in their files. 51 years and 87 pages worth to be exact. I want it gone and by law I can demand it.

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 have been waiting on my check to despising into my account and it has not its been 3 days and the company told us it would take a couple hours first then they said by Friday and its Friday and still no deposits no update no nothing they cant even tell us when we will be able to get our money I have bills to pay I dont get any assistance I need food gas to get to work my light bill is due gas bill due car note due mortgage due all those late fees will kick my butt, but hows this my fault? Something got ta be done this is insane

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Reharding to capital 1 accounts. In XXXX I looked on my account it said cards restricted my cards I called asked them why they would not give me a reason they just said something was observed on one or more of my cards that was inconsistent with my usage which u use the same exact vendors always I'm not understanding what happen. I always pay on the XXXX of the month this month I paid the XXXX I think and they did not take their money intimate and another one of the merchants took the money in which I called and talked to them and I paid my return fee and my payment on all my card in which only 1 was due. And it has not been 2 weeks they already reported to the credit agencies without trying to work anything out with me. I need my cards and I need my score back up I need something to be done. 
I need them to communicate better.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I had stuff on my credit report and it wasnt me but they wouldnt help me any

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: Early Warning Services, LLC
State: IL

Complaint narrative:
Iam writing to state my concerns regarding Zelles way of managing disputes. Since theres been a recent CFPB lawsuit stating significant issues with Zelle. I had used Zelle for a few years and Zelle failed to investigate my claims correctly.

Company response to consumer: Closed with explanation