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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I am trying to express my concerns regarding Zelle.

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: GA

Complaint narrative:
I was scheduled to get a payroll deposit on XX/XX/year> however, Capital One usually deposit the check two days earlier, which would have been XX/XX/year>. It was not there on Wednesday, XX/XX/XXXX because of a technical issue they say and that it should have been there by Friday. Their issue should have been resolved by our normal payroll deposit date, which would have been XX/XX/XXXX however it is now XXXXXXXX XXXX And we still dont have answers nor a paycheck deposit just the same Verbiage online from Capital One of they are experiencing minor technical difficulty

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: CA

Complaint narrative:
I am a victim of Equifax data breach please Block Unauthorized Accounts Under Section 605B of the FCR See attachment for more detail

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: OH

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 my 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.

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 Consumer Financial Protection Bureau regarding XXXX XXXX 's failure to deposit my direct deposit from my employer. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds XXXX as it requires timely access to funds. This situation raises concerns about consumer protection laws, XXXX  I request your assistance in investigating this matter to ensure my rights are upheld.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo on XX/XX/year>, on or around XXXX pm PST. I received an email from Wells Fargo instructing to call ( XXXX ) XXXX in response to the California wildfires and my unique situation. Upon dialing I got to XXXX in our Arizona call center. XXXX had no idea what the above-mentioned telephone number is. In fact, he indicted the phone number XXXX be fraud and I need to go to a Wells Fargo XXXX ( this is false ). In addition, I indicated XXXX on XXXX XXXX, CA, and that the above phone number is a dedicated line at Wells Fargo and is different than the phone number on the back of consumers Wells Fargo XXXX cards. XXXX still did not recognize the significance of XXXX CA, or XXXX XXXX CA. I had to spell it out to him, XXXX affected by the California Wildfires, and he said theres nothing he can do. I then asked to be transferred to a disaster team, and he said there isnt one. If it wasnt for my request to transfer to a supervisor, the call would have ended with no resolution. Then it gets worse, XXXX XXXX from the Oregon call center took over the call and also did not understand or recognize the language of the Wells Fargo email. Before transferring me to the disaster team, I asked her for the specific name of the department. Instead, she transfered while I was still speaking. This is a violation of our transfer procedures in addition, she was more concerned with rushing me off the phone indicating there were other customers she needed to speak with ; this was here response in light of the CA wildfires. I seek to hold XXXX and XXXX accountable.

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: OH

Complaint narrative:
I am filing a complaint with the CFPB regarding XXXX XXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) 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: AL

Complaint narrative:
am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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: AL

Complaint narrative:
I am filing a complaint against Cashapp XXXX Block , Inc . ) due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash app failed to take timely and effective measures to prevent XXXX  address fraud on their platform, leaving my account vulnerable XXXX  unprotected. Furthermore, their dispute resolution process was unfair XXXX  deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience XXXX  financial loss, XXXX  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: GA

Complaint narrative:
I am filling a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely XXXX  effective measures to prevent XXXX  address fraud on their platform, leaving my account vulnerable XXXX  unprotected. Furthermore, their dispute resolution process was unfair XXXX  descriptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) XXXX XXXX XXXX These actions have caused significant inconvenience XXXX  financial loss, XXXX  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: OK

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 to fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
XXXX XXXX I am filling a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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: GA

Complaint narrative:
I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and XXXX XXXX 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: FL

Complaint narrative:
I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. This occurred in XX/XX/year> where my split check of just over {$300.00} didn't deposit. It's currently XXXX  days later, late evening and still no deposit. XXXX XXXX has cited technical issues, which XXXX violate the XXXX Funds Transfer Act ( XXXX ) 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX U.S.C XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

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

Complaint narrative:
I was told there was a law suit and I would be contacted they sold my info I get bills every month that are not mine and I got a XXXX dollar tax return that's not mine

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: TX

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, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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

Complaint narrative:
I am filing a complaint with the CFPB regarding XXXX XXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which mya violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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

Complaint narrative:
As of Wednesday XX/XX/XXXX Capital One has not released my direct deposit in the amount of {$4700.00} citing " technical issues. '' As of today Friday XX/XX/XXXX no time frame has been provided on when the funds would be available. 

Capital One sent an email on Wednesday ( see below ) however no message in regards deposit, transactions being affected. 


Bill Pay will be unavailable starting XXXX XXXX, XXXX Recently, we let you know that your Bill Pay service is moving to a new system. This move requires Bill Pay to be unavailable from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

During this downtime, Bill Pay wont be accessible by anyone, including our customer service team. This means that changes cant be made to existing or new payments until Bill Pay is back online. There also may be longer wait times in our phone queues. 

Please make any wanted changes to your current payees or payments before XXXX XXXX, XXXX, to avoid any disruptions. Youll get an email as soon as you have access to the new Bill Pay and can manage your bills in one place. 

We apologize for any inconvenience this move may cause. If you have any questions, visit our frequently asked questions page. You can also give us a call at XXXX. Were available XXXX XXXX XXXX  ET, 7 days a week. 

Thanks for choosing Capital One.

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: GA

Complaint narrative:
As of XXXX XXXX, Capital One has been experiencing some sort of technical issue that is preventing the bank from releasing scheduled direct deposits. I have been a member of this bank over 5 years and have never had issue of this nature. There have been no uniform updates to customers as to when this will be resolved and this is a 3 day weekend with a bank holiday on Monday. I have no additional income to pull from. The customer service line has over a 2 hour wait and the chat feature on the website is a bot. Consumers deserve 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Anything on my credit report was either already settle and wasn't remove or fasely done in my name... 

XXXX XXXX of last year still trying to collect money from me which the account is closed. 

XXXX XXXX someone open fasely under my name XXXXXXXX XXXX XXXX someone stole packages and i gave proof.. XXXX XXXXXXXX XXXX XXXX, i provided them with a police report. Someone hacked my account XXXX

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
I declare under the penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements to omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This alleging that a person or a company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC.

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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Ive recieved collection notice they was not supposed to been reported and identify theft occurred on my credit report with false reports

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: Synovus Bank
State: IL

Complaint narrative:
Ive recieved collection notice they was not supposed to been reported and identify theft occurred on my credit report with false reports

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: NJ

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 XXXX 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation