vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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: GA

Complaint narrative:
I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA.

The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: TX

Complaint narrative:
Please check the information concerning the equifax data breach below in attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am formally submitting a complaint against Cash App ( Block , Inc. ) due to substandard customer service and practices that appear to contravene the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App has demonstrated a failure to implement timely and effective measures to prevent and address fraud on their platform, thereby leaving my account vulnerable and inadequately protected. Additionally, their dispute resolution process has proven to be both unfair and deceptive, as they have not adhered to the error resolution requirements stipulated under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have resulted in considerable inconvenience and financial loss, for which I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
XXXX XXXX I am to formally express my concerns regarding Zelles 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user 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 2025-01-18 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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handlings of disputes, particularly in the lights 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 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. 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 2025-01-18 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 compliant against cash app ( ( block inc ) ) due to inadequent customer services and unfair practices act. CFPA specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable & 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 she financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the nations highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: AZ

Complaint narrative:
I am requesting to have these unknown debts and unknown inquiries removed from my credit report immediately due to it affecting my credit negatively. I have included accounts and inquiries in question. I have also attached a copy of my credit report as well. My student loans are reporting late which is incorrect.

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Highest balance Terms 73 Months On record until XXXX XXXX Account name XXXX XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance updated XX/XX/XXXX Recent payment {$670.00} as of XX/XX/XXXX Original balance {$11000.00} Terms 42 Months On record until XX/XX/XXXX Student Loan reporting incorrectly with a 90 day late notice Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Terms 1 Months On record until XX/XX/XXXX INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-01-18 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: AZ

Complaint narrative:
I am requesting to have these unknown debts and unknown inquiries removed from my credit report immediately due to it affecting my credit negatively. I have included accounts and inquiries in question. I have also attached a copy of my credit report as well. My student loans are reporting late which is incorrect. 

Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$14.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX Original balance {$23000.00} Highest balance Terms 73 Months On record until XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance updated XX/XX/XXXX Recent payment {$670.00} as of XX/XX/XXXX Original balance {$11000.00} Terms 42 Months On record until XX/XX/XXXX Student Loan reporting incorrectly with a 90 day late notice Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1700.00} Balance updated XX/XX/XXXX Original balance {$1700.00} Terms 1 Months On record until XX/XX/XXXX INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
When I was a struggling single mom, I was lured in to going to XXXX XXXX. ( XXXX XXXX XXXX ) back then, in XXXX. I was told that even though I had not finished High School, that I could attend this Institute and become a XXXX XXXX  and make more than enough for my son and I to survive on our own. I was told they had job placement with many connections in the XXXX XXXX and obtaining employment would not be an issue, after graduation and getting all top marks throughout the program. I returned to the main office to sign up for job placement, I knew I would have to interview and no one was going to hand me a job, but XXXX made it sound like they had people that were willing to take a chance on their graduates. When I arrived I was given a phone book and told to start looking, I was confused. This is not job placement, I could do this myself at home. Once finished the program I tried to obtain employment as a XXXX XXXX  for a very long time but was told the same thing, I needed a High School Diploma or GED and 2 years experience. I never became a XXXX XXXX. I was never able to afford to make payments on my student loans, first with Sallie Mae then eventually sold to Navient. I was on some kind of Deferment program from day one, I was young and didn't feel like all my options were explained to me in these loans. I feel like I was mislead and now I am in a position I can't possibly climb out of, no on made it clear to me that interest still accrued on my loan while on Deferment by the time I found out, I was already in a hole. I'm now XXXX and am applying for permanent XXXX which is a long process and I feel it's going to be impossible to pay back these loans with the amount of interest I owe. I reported to them I was XXXX and XXXX  several times and that I felt like I wasn't receiving the help I needed, I was always met with horrible attitude, uncaring customer service. Condescending comments. It was horrible, I feel like I should be part of the pending suite , I definitely fall under it. They sold my account to a new company but this all started with Naviant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NV

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 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

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 2025-01-18 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 wanting to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using 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 repeated 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 2025-01-18 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligations under fair credit reporting Act ( FCRA ) to conduct a reasonable investigation of dispute information on credit report, leaving inaccurate or unverified accounts resolved. 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 this failure aligns with with my experience where experian has neither corrected nor removed dispute items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate correction action to remove or amend dispute accounts as experian inaction violates federal law of 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 2025-01-18 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 a Capital One 360 customer and have been for over 10 years. I get my deposits two days before the actual date of deposit and when payday falls on a holiday. I did not get my deposit yesterday ( as I should have ). I did not get it today either. I can not get anyone to answer the helpline, the company has provided, to get any information as to when it will be deposited. I have withdrawals coming out soon and dont want the withdrawals to balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Ive been using Zelle since I opened my first bank account and never had an issue, until I did. I would randomly receive small amounts of money that wouldnt be noticeable to anyone else but was noticeable to me. For example itll be + {$2.00} on Monday- {$6.00} on Wednesday then + {$1.00} on Thursday. Itll be zelle payments from random names. Then one day they took {$400.00} out of my account. Then when I go to open my bank account its closed. They told me they didnt have to give me reason on why they closed my account and that it wasnt any funds in the account when it was closed. They said if it was it would be sent in the mail and I never received a dime ( XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
iling 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 ( 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: 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: FL

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 furnishes, 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