vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> I was expecting my weekly direct deposit from my job to my Capital one checking account and did not receive anything. I tried contacting Capital One Bank and havent been able to get anyone via telephone, so I decided to go to a branch XX/XX/year> and was unable to receive any help either. Capital one sent a email ensuring the issue would be resolved by Friday morning and its now XX/XX/year> XXXX XXXX  and still have not received my direct deposit. This is inconveniencing me and Im unable to pay the bills I have that are due at the moment.

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:
Credit Reporting Agency Name ( or company involved ) : Experian Account Number ( XXXX ) : XXXX Complaint Details : I am filing a formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) regarding a charge-off account listed on my credit report under Opploans/FinWise. 

I have previously submitted two disputes regarding this account, and the credit bureau claimed the account was verified. However, the information remains inaccurate due to repeated reporting of charge-offs each month, effectively re-aging the account. This practice is against the provisions of the FCRA and TILA, as it unfairly extends the negative impact on my credit report. 

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 1681b ( 2 ) - Accuracy of Information : The repeated monthly reporting of the charge-off re-ages the account, making the information inaccurate and misleading.

FCRA Section 1681b ( 5 ) - Permissible Purpose : The re-aging through repeated reporting does not align with permissible purposes under the FCRA.

FCRA Section 611 - Duty to Investigate : Despite my disputes, Experian failed to correct the repeated inaccuracies, thus violating the duty to investigate.

FCRA Section 1681i - Reinvestigation Failure : The ongoing failure to reinvestigate properly and address the repeated reporting constitutes a violation of this section.

Violations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate Information : The repeated charge-off reporting inaccurately portrays my financial status, violating TILA 's requirements for accurate reporting.

Request for Resolution : Immediate deletion of the charge-off entry from my credit report. 
Proof of verification from Opploans/FinWise substantiating the charge-off. If this can not be provided, the account must be removed. 
Investigation into and correction of the repeated reporting. 
Failure to address this matter within 15 days will result in further action, including filing additional complaints with the CFPB and seeking legal recourse. 

Thank you for your prompt attention to this matter.

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: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to their 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. Thus leaving my account vulnerable and unprotected. Further more the dispute resolution process was deceptive. They didnt comply with resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have cause significant financial loss and I seek appropriate compensation for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
I have a car repossession on my credit file in which I have not a license. The company Exeter Financing has reached out to me to interest me in purchasing a vehicle using them as my financing company. I need this deleted from my credit report an according to 15 U.S. code 1681b ( a ) ( 2 ) I am entitled to get this deleted and with all the harassment I receive I have obtained counsel to sue for damages. Please remove this ASAP

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 filed a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violate the Consumer financial protection act ( CFPA ) Cash App failed to take timely and effective measures to prevent address fraud on their platform leaving my account vulnerable and unprotected. Their dispute process is unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E.these actions have cause financial loss on my account.

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

Complaint narrative:
you and your account. 
XXXX XXXX ( 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. 
I want the CFPB to publish this?

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: MO

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They XXXX me that i overing lost fun : XXXX XXXX '' 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. identify you and your account. 
lawsukhighlidoting fidant foues 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 XXXX indicate XXXX XXXX has not XXXX 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: 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 this complaint because of the concerns i have and my previous issues with zelle. Mainly regarding the way Zelle handled my issue and also when i disputed it. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I used zelle many times and i have reported discrepancies, and when i did my financial bank said i would have to deal with zelle and zelle said i would have to go through my bank and it was a huge going back and forth thing and just giving me the run around. i was informed that my funds were impossible to be recovered.

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: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block, lnc. ) due to inadequate customer service and unfair practices, which violates the Customer Service Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an 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 revolutions requirement under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek address for the 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: MS

Complaint narrative:
I am filling a complaint with the CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposit. capital one has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) is 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: OK

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 credit. This issue aligns with the recent CFPN finding against Navy Federal for similar practices, balances despite initially available funds. I believe these practices are unfair and request an 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: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My Chase Checking account was closed due to " suspicions activity '' and after review a final decision was made that Chase could not maintain a relationship with me. I was only notified about this when my account and login was restricted ( XX/XX/year> ). I do not frequently use this account, let alone for any suspicions activity, unless banking and transferring money in and out from other personal accounts is suspicions. I was not asked at any point to explain any activity, or lack of activity. I kept about {$1500.00} in the account at any given time so as not to have the account be low on funds. 

When the account was restricted, I was not given any reason and was told I would not be given one, and that Chase was within its legal right to do so. Which is true, except, they are not letting be withdraw my funds. This is where the two-way agreement is broken. I was told I can not do it over the phone to an external linked account, I was unsuccessful online, and in-branch they also told be that I would have to wait for the investigation to be completed then maybe I would receive a check. 

I would also like to have the details of this investigation.

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: OR

Complaint narrative:
I am filling a complaint with the CFFB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income sources. 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 redres.

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: NY

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One 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 investigation this matter to ensure my rights are upheld. I can not believe this, especially for us that get paid biweekly. 

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: NJ

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

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 charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances these practices are unfair and request and investigation into my account transaction.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There has been numerous occasions my online transfers using zelle was received by the wrong recipient and nothing was done about it. Specifically using chase bank. Due to lack of policies and legal enforcements I lost out on a lot of money from false businesses or accidental mishaps and I am requesting fair compensation.

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: Block, Inc.
State: MD

Complaint narrative:
I would contact cash app customer service and they would never get back with me about the issues I having with my account and money was being taking

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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: TX

Complaint narrative:
I am filing a complaint against cashapp ( Block , Inc ) due to inadequate customer service and unfair practices. Which violates consumer financial protection act ( CFPA ). Specifically cashapp 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 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: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On Monday XX/XX/XXXX my direct deposit hit my venmo account ( {$1200.00} ) as usual I tried to transfer that money over to my XXXX XXXX account. When I tried to transfer that money it kept saying 'ERROR ' naturally I would try a few more times without success I contacted venmo support, XX/XX/year> XXXX venmo informed me that my account was frozen due to suspicious activity and until I verified my identity with a simple uploaded document of my I.D my account would remain frozen but uploading this document would resolve this situation. So, I uploaded the document only for them to email me back XX/XX/year> XXXX saying they have in fact received my uploaded document of my I.D & would still proceed forward with permanently deactivating my account after me showing proof of my identity. I then emailed venmo back XX/XX/year> XXXX pleaded they released my funds as that is ALL the money I had to my name and had very important obligations with that money. I have contacted venmo support several times and they say the same thing " they can not unfreeze my account and only account specialist can do so via email '' I have reached out to the account specialist after they deactivated my account and they refused to give me my funds, saying they will hold it up to 180 days and IF MY funds become available for transfer in the future they will notify me. I have yet to understand why I was unable to transfer my money to begin with and why after showing proof of identity my funds are still unavailable to me. They have now completely closed the case and stated they will not be replying to any of my concerns moving forward and I am still unable to touch my funds.

Company response to consumer: Closed with explanation