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: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Removing auto loans from your credit report can be challenging, especially if they are valid accounts. However, if you believe there are inaccuracies or you want to address negative impacts from these loans, here are steps you can take : XXXX. **Review Your Credit Report** : Obtain a copy of your credit report from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX You can get a free report once a year at XXXX. 

XXXX. **Identify Errors** : Look for any inaccuracies related to your auto loans, such as incorrect balances, payment history, or accounts that dont belong to you. 

XXXX. **Dispute Inaccuracies** : If you find errors, you can file a dispute with the credit bureau reporting the incorrect information. Provide documentation to support your claim, and the bureau will investigate within 30 days. 

XXXX. **Negotiate with Lenders** : If you have paid off an auto loan but it is still showing as a negative account, you can contact the lender to request a goodwill adjustment. If you had a good payment history, they might agree to remove the negative mark. 

XXXX. **Pay for Deletion** : In some cases, lenders XXXX agree to remove a negative account in exchange for payment. This is known as " pay for delete. '' Be cautious, as this practice is not endorsed by credit bureaus. 

XXXX. **Wait for Time to Pass** : Negative information, including late payments and defaults, typically remains on your credit report for XXXX years. If the loans are old, they will eventually fall off your report. 

XXXX. XXXXConsider Professional Help** : If youre struggling to remove negative items, you might consider working with a credit repair agency. They can help you navigate disputes and improve your credit. 

XXXX. **Build Positive Credit** : Focus on building positive credit history by making timely payments on any remaining accounts, using credit responsibly, and keeping your credit utilization low. 

Remember, its important to maintain accurate and truthful information on your credit report. If you have further questions or need assistance with a specific situation, feel free to ask!

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Removing auto loans from your credit report can be challenging, especially if they are valid accounts. However, if you believe there are inaccuracies or you want to address negative impacts from these loans, here are steps you can take : XXXX. **Review Your Credit Report** : Obtain a copy of your credit report from all three major credit bureaus ( Experian, XXXX, and XXXX ) XXXX You can get a free report once a year at XXXX. 

XXXX. **Identify Errors** : Look for any inaccuracies related to your auto loans, such as incorrect balances, payment history, or accounts that dont belong to you. 

XXXX. **Dispute Inaccuracies** : If you find errors, you can file a dispute with the credit bureau reporting the incorrect information. Provide documentation to support your claim, and the bureau will investigate within 30 days. 

XXXX. **Negotiate with Lenders** : If you have paid off an auto loan but it is still showing as a negative account, you can contact the lender to request a goodwill adjustment. If you had a good payment history, they might agree to remove the negative mark. 

XXXX. **Pay for Deletion** : In some cases, lenders may agree to remove a negative account in exchange for payment. This is known as " pay for delete. '' Be cautious, as this practice is not endorsed by credit bureaus.

6. **Wait for Time to Pass** : Negative information, including late payments and defaults, typically remains on your credit report for seven years. If the loans are old, they will eventually fall off your report.

7. **Consider Professional Help** : If youre struggling to remove negative items, you might consider working with a credit repair agency. They can help you navigate disputes and improve your credit.

8. **Build Positive Credit** : Focus on building positive credit history by making timely payments on any remaining accounts, using credit responsibly, and keeping your credit utilization low. 

Remember, its important to maintain accurate and truthful information on your credit report. If you have further questions or need assistance with a specific situation, feel free to ask!

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 — Public record information inaccurate
Company: Larry H. Miller Group of Companies
State: DC

Complaint narrative:
Removing auto loans from your credit report can be challenging, especially if they are valid accounts. However, if you believe there are inaccuracies or you want to address negative impacts from these loans, here are steps you can take : 1. **Review Your Credit Report** : Obtain a copy of your credit report from all three major credit bureaus ( XXXX, XXXX, and XXXX ) XXXX You can get a free report once a year at XXXX. 

XXXX. **Identify Errors** : Look for any inaccuracies related to your auto loans, such as incorrect balances, payment history, or accounts that dont belong to you. 

XXXX. **Dispute Inaccuracies** : If you find errors, you can file a dispute with the credit bureau reporting the incorrect information. Provide documentation to support your claim, and the bureau will investigate within 30 days. 

XXXX. **Negotiate with Lenders** : If you have paid off an auto loan but it is still showing as a negative account, you can contact the lender to request a goodwill adjustment. If you had a good payment history, they might agree to remove the negative mark. 

XXXX. **Pay for Deletion** : In some cases, lenders may agree to remove a negative account in exchange for payment. This is known as " pay for delete. '' Be cautious, as this practice is not endorsed by credit bureaus.

6. **Wait for Time to Pass** : Negative information, including late payments and defaults, typically remains on your credit report for XXXX years. If the loans are old, they will eventually fall off your report. 

XXXX. XXXXConsider Professional Help** : If youre struggling to remove negative items, you might consider working with a credit repair agency. They can help you navigate disputes and improve your credit. 

XXXX. **Build Positive Credit** : Focus on building positive credit history by making timely payments on any remaining accounts, using credit responsibly, and keeping your credit utilization low. 

Remember, its important to maintain accurate and truthful information on your credit report. If you have further questions or need assistance with a specific situation, feel free to ask!

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:
Capital One went down Wednesday night, I was due to receive my paycheck through the early pay system with Capital One on Thursday. Upon opening my account my check was not deposited and a message displayed at the top that they were experiencing a technical difficulty. I called with no information other than They are trying to have the issue resolved as soon as possible, we are sorry for any inconvenience this may have caused. I am a single mother of XXXX children, they need food, my child has XXXX medicine I need to pay for, daycare costs, bills. I can not do any of this with the Capital One outage. I have my checking, savings, credit card, and auto loan through Capital One. ALL OF MY ACCESS TO FINANCES IS NOT WORKING due to a technical issue with a third party vendor. It is now Friday afternoon with no update or correction of the issue. I am extremely disappointed as I am sure many others are feeling.

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: IL

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 EXXXX 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: NC

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 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: 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 gainst Cash App ( Block, XXXX. ) XXXX XXXX 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 XXXX was unfair and Seceptive, 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: SC

Complaint narrative:
I am writing to formally express my concerns regarding sales handling of dispute particularly in light of the recent CFPB 's lawsuit highlighting significant issues with the platform despite using their numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims at 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 the protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scam. 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: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent 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 caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
XX/XX/scrub>XXXX  Called banking instatue about my money never being deposited and late fees I'm being hit with. Bank said no eta to resolve issue. Capital one - {$1200.00}.

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle. Despite using Zelle and attempting to reclaim unauthorized money sent, the financial institution has failed to investigate my claims adequately. They said recovering the lost funds was impossible. The CFPBs findings indicate that Zelle has not only neglected their customers rights, but allowed repeat offenders to exploit the system. This is unacceptable and raises concerns of consumer safety. This also includes XXXX and XXXX for allowing unauthorized money sent to repeat scammers.

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:
I Am Writing To Formally Express My Concerns Regarding Zelles Handling of disputes particularly in lights Of Recent CFPD 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 Tracking These Transactions was infeasible. The CFPBs Finding indicate That Zelle Has Not Only Neglected To Protect Consumers But Has Also Allowed Repeat Offenders to exploit The Systems, Leaving Users 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: 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 processg was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

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 all 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds 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. 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 I marked as inaccurate XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Went to a wyndham timeshare thing in XXXX XXXX.I advised the sales people that I didnt want to open a new credit card. They convinced me and I agreed to do a trial run for 2 years, I gave them my personal information. I didnt think it would be a credit card. No one said it would be a credit card. As I had stated over and over that I didnt want to open a new one. Fast forward, I receive a Barclays card in the mail at the end of XX/XX/XXXX. I begin disputing the card, with Barclays. At that point I receive a letter stating the account is closed. I assume end of story. The next thing I receive, is a bill in the mail in XXXX stating I owe them money. I dispute again, I escalate to Barclays, XXXX Office of the President. I get an email from someone from their office, and another letter in the mail stating account closed. Again, I assume card closed, no more issues. On XX/XX/XXXX, I get an email from XXXX- a credit card I do have open stating that Barclays put a 30 day on my credit for non payment. Imagine my surprise and rage. As I had recieved no statements. I spent 30 minutes on the phone with XXXX ( XXXX ) who is supposed to be a supervisor. He told me that, mine dispute was declined as it was approved because I had provided my personal information. No one had called, I received no statements advising that account was open. I did get an email advising me to join something called an XXXX. Which I didnt. I dont what that is, I assumed it was a scam. 
On XX/XX/XXXX - I called back into Barclays and asked for assistance logging in to make a payment while this was figured out, because based on what XXXX said, I am going to be responsible for the amount due on the card. I was told, not to make a payment as the account was in dispute. 
This entire situation has been awful. Just awful. I worked really heard to get my credit where it is, I didnt come from a rich family. I am so mad and I feel so helpless. I have submitted to have the 30 day late removed, I am going to report both XXXX and Barclays to XXXX I dont know what else I can do. At this point I will just pay it, even though I dont think I should have to because I was clear in my wishes on not wanting to open another credit card. I dont want another ding on my credit for these companies.

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: FL

Complaint narrative:
I have been double charged for more then two months and had my bank account closed twice from overdraft fees because after I transfer or spend money out of cash app it holds money in pending and double take the money charging me the amount twice. Ive went to my bank several times and also cashapp.i was told the problem was fixed thats the only reason I continued service just to have double charges again

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: MS

Complaint narrative:
Capital One is holding my direct deposit with no response to when it will be corrected

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 complain again Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violates 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 to appropriate redress for these violations.

Company response to consumer: Closed with explanation