vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Balance : {$450.00} I paid this account in full without much contact from the bank or valuable assisted help.

Navy Federal Credit Union.

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Navy Federal Credit Union, has two accounts listed as my credit card. I only have owned one from the company, despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as it is incorrect and does not reflect my true credit history.

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Cash app ( Block , Inc ) due to inadequate customer service and unfair practices which violated the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform m, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process is 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 deal 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: KS

Complaint narrative:
I am filing a compliant 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Dispute of Fraudulent Collection Account XXXX  Account To Whom It May Concern, I am writing to formally dispute a collection account listed on my credit report that is not mine. The account in question is reported as a XXXX account, which I have never opened, authorized, or had any association with. 

Additionally, I want to highlight that my personal information was compromised during the XXXX data breach, which has put me at risk of identity theft. I believe this fraudulent account may be a result of that breach.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure that all information reported on consumer credit files is accurate, complete, and verifiable. I am requesting that you investigate this account and provide documentation proving that this account is valid and authorized by me. 

Account Name : XXXX XXXX XXXX XXXX XXXX If you can not verify the accuracy and ownership of this account with proper documentation, I demand that this collection account be permanently deleted from my credit report. Reporting inaccurate or unverifiable information is a violation of the FCRA, and I expect full compliance with the law. 

Please complete your investigation and provide a written response within 30 days of receipt of this letter, as required under federal law. I also request a copy of any documentation or evidence used to verify the account, should you claim it is valid. 

Thank you for your prompt attention to this matter. I trust that you will investigate and resolve this issue quickly. 

Sincerely, 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 2025-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally expressed my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle or many occasions and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering loss funds was impossible and that tracking these funds was not feasible. The CFPBs findings indicate that Zelle was not only unable to protect consumers but allowed repeat offenders to exploit the system, leaving users, vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Incorrect address and employment on my credit file

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 2025-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Incorrect address and employment on my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
I applied for a loan online and they had insisted I call and give them all of my information over the phone. A few hours later I had someone call impersonating my bank saying there were fraudulent charges and to accept fraud alerts for the exact amount of money in my account. I call the bank while on the phone and was instructed to hang up immediately.

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: 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 , 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 proce 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 20 ) 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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I purchased a prepaid American Express gift card through XXXX XXXX ( my daughters XXXX  fundraising program ) to use during their out of town competition. I am a mother of XXXX little ones and while {$50.00} may not seem like a lot to most, its a bit more when youre on a tight budget. I have purchased MANY of these cards through XXXX and this is the second time Im having the same issue. I cant add the card to my XXXX XXXX  and therefore can not use it! I called the customer service number 3 times and was given the run around, put on hold and lied to. The first said to call later because the wallet department was busy ( after being on hold for over 20 minutes ), the second guy was the WORST customer service agent Ive ever experienced! After putting me on hold for another 20 minutes, he told me I purchased a business card. Thats a lie because these are the same cards I purchase from the same fundraising site and have the same terms & conditions. You are supposed to be able to add this to your wallet! He told me sorry he couldnt help me and I could only use it online. If I wanted to buy this to shop online then I wouldnt be having this issue. He then hung up on me for no other reason than he didnt have answers for me. He was incredibly rude and so unprofessional. I called back very upset and told agent what happened. She refused to give me agents name that I spoke to because I wanted to make a complaint. She claimed she couldnt tell who I talked to, which could be true. She was unable to help either and told me I could use it in stores, but I just needed to have them enter it manually. I didnt think that was how this worked, but she she was adamant. I was mislead once again because there is not an option at most places. So, Ive been scammed out of money that was meant for use this weekend. This company is dishonest and made no effort to make this right! They could careless!

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 Capital One 's failure to deposit my husband 's direct deposit ( we have a joint account ) from his employer and any other of our 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My information was exposed in a recent data breach. I am requesting that all disputes on my report be deleted off.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: NY

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: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I am to receive weekly direct deposits from my employer EVERY Wednesday. Today is Friday & Capital One 360 has YET to release my funds. I did not receive my paycheck on Wednesday XX/XX/XXXX along with my unemployment direct deposit that was supposed to hit my bank account as of today Friday XX/XX/year> XXXX

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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX has failed to fulfill his obligation under the fair credit reporting act to conduct a reasonable re-investigation of dispute information on my credit report, leaving an accurate or on variable accounts unresolved the consumer, financial protection bureau has recently filed a lawsuit against XXXX, alleging, systematic issues such as filling to, for consumer provided evidence to to furnish is excepting unreliable responses and fully to adequately, notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected or removed disputed items despite the evidence, and provided causing ongoing harm to my credit standing I requested immediate correction actions to remove or amend dispute accounts experience 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 2025-01-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX has failed to fulfill his obligation under the fair credit reporting act to conduct a reasonable re-investigation of dispute information on my credit report, leaving an accurate or on variable accounts unresolved the consumer, financial protection bureau has recently filed a lawsuit against XXXX, alleging, systematic issues such as filling to, for consumer provided evidence to to furnish is excepting unreliable responses and fully to adequately, notify consumers of dispute outcomes. These failures align with my experience where XXXX has neither corrected or removed disputed items despite the evidence, and provided causing ongoing harm to my credit standing I requested immediate correction actions to remove or amend dispute accounts experience inaction, violates federal law and my rights as a consumer

Company response to consumer: Closed with non-monetary relief
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: NY

Complaint narrative:
I am filing a compl

aint 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. Th
ese 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: 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 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: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against 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 lost, and I seek appropriate redress for the 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: 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX says to be open in XXXX  and thats false. Settlement accounts were promised to be removed in XXXX. Wrong address XXXX XXXX XXXX is an adress ive never lived at. They continue to uodate accounts that should have fallen off. I have had fraud on my account of which I reported. And they did not properly investigate. When asked dor signatures of mine, never was provided.

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

Complaint narrative:
XXXX XXXX says to be open in XXXX and thats false. Settlement accounts were promised to be removed in XXXX. Wrong address XXXX XXXX XXXX is an adress ive never lived at. They continue to uodate accounts that should have fallen off. I have had fraud on my account of which I reported. And they did not properly investigate. When asked dor signatures of mine, never was provided.

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 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