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: IL

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One bank '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. I expected to receive my direct deposit today and have not got anything. I was on hold with customer service for an hour and a half before hanging up due to the long call wait time. 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
On XXXX XXXX I received a collection notice from Portfolio Recovery in regards to a collection account in the amount of {$200.00} and while I have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: NJ

Complaint narrative:
You, meaning ABSOLUTE RESOLUTIONS INVESTMENTS, have violated the FDCPA and have not fulfilled my request for the alleged debt ( s ) in question to be validated pursuant to 15 U.S.C. 1692g. You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, the forward flow agreement, the chain of assignment, the full accounting and audit trail showing the account ( s ) are being reported accurately. See attachment for further details.

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: PA

Complaint narrative:
I am filling a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my XXXX. My direct deposit usually comes as early Wednesday, but it dont arrive so I checked my bank account and notice no deposit was made so I then went into my work portal double checked the amount and notice nothing changed and waited to Thursday believing maybe its just late I then come across a media post citing no one at capital one received their deposit I then called but the line disconnected before I can speak to anyone and then on Friday I received an email stating Thursday they were having issues but it should be resolved on Friday and its Friday and nothing has changed. Im requesting you to please investigate the company because I feel like they violated the electronic funds transfer act which requires timely access to my funds. Due to me not having access to any of my money from weds to now.

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: FL

Complaint narrative:
I am filling a complaint against equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting Act. ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes, furthermore, equifax actions may also contravene the consumer financial protection act. ( CFPA ) as highlighted in the CFPBs recent administrative proceeding ( file no. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.

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

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

Complaint narrative:
I am filling a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices which violates 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 and regulations E these actions has 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:
Capital One has not processed my direct deposit from my employer. I usually receive my paycheck early Thursday morning. Capital One said the issue should be resolved by Friday morning at the latest. It is now Friday afternoon and I still havent not received my paycheck.

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: TN

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 152 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX submitted a fraud claim to XXXX, XXXX XXXX, and PayPal. This claim stems from me accepting a fake remote job online from a person who acted as a professor for my school The University of Arizona. I sent this fake professor personal information when accepting the job. After weird charges started to show up on my credit card accounts, and me sending payments to the fake professor for work supplies. I spoke with the University of Arizona asking if the professor really worked there and if this job was real. I was told no, but this was a big problem The University of Arizona was facing at the time ( fraud/ scamming students ), and I was instructed to call my credit card companies and file a claim. In which I did on again XX/XX/XXXX, sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue. The fraud claim was accepted and I was told these accounts would be written off, closed and removed. I then leave the issue along thinking its been resolved. Time passes now in XXXX i graduated in XXXX, before my last semester I found out I ran out of financial aid. So I went to apply for some loans to make sure I get my degree for a job I had lined up. I ended up getting denied due to derogatory marks on my credit report being the same credit accounts XXXX, XXXX XXXX, and PayPal that was associated with the fraud case. Upon looking at my credit report they were still listed on my report at just charge offs and the cards had looked as if they were still used for some time. I took action by contacting the credit card companies to which they stated the fraud claim is denied due to no police report. This was a contradiction to what was stated in XXXX, XXXX when the claim was accepted as fraud and I was told it would be removed. I took up more action by getting a police report this time, along with writing letters to the XXXX XXXX, XXXX, and PayPal of the incident. As well as sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue again. In addition to a consumer report as well. I have yet to see these accounts removed, even though I have provided all necessary evidence, and they have found the claim to be true in 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: 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: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX I XXXX XXXX submitted a fraud claim to Discover, XXXX XXXX, and XXXX This claim stems from me accepting a fake remote job online from a person who acted as a professor for my school The University of Arizona. I sent this fake professor personal information when accepting the job. After weird charges started to show up on my credit card accounts, and me sending payments to the fake professor for work supplies. I spoke with the University of Arizona asking if the professor really worked there and if this job was real. I was told no, but this was a big problem The University XXXX Arizona was facing at the time ( fraud/ scamming students ), and I was instructed to call my credit card companies and file a claim. In which I did on again XX/XX/XXXX, sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue. The fraud claim was accepted and I was told these accounts would be written off, closed and removed. I then leave the issue along thinking its been resolved. Time passes now in XXXX i graduated in XXXX, before my last semester I found out I ran out of financial aid. So I went to apply for some loans to make sure I get my degree for a job I had lined up. I ended up getting denied due to derogatory marks on my credit report being the same credit accounts Discover, XXXX XXXX, and XXXX that was associated with the fraud case. Upon looking at my credit report they were still listed on my report at just charge offs and the cards had looked as if they were still used for some time. I took action by contacting the credit card companies to which they stated the fraud claim is denied due to no police report. This was a contradiction to what was stated in XXXX, XXXX when the claim was accepted as fraud and I was told it would be removed. I took up more action by getting a police report this time, along with writing letters to the XXXX XXXX, Discover, and XXXX of the incident. As well as sending in proof of me and the fake professors conversation about the job, me sending the fake professor personal information, me sending the fake professor payments, and proof of my conversations with The University of the issue again. In addition to a consumer report as well. I have yet to see these accounts removed, even though I have provided all necessary evidence, and they have found the claim to be true in XXXX.

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 fling 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XX/XX/XXXXand Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXXXXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXXXX/XX/XXXX XXXX XXXX on XX/XX/XXXX under the account numbers ( XXXX, XXXX ), a personal loan account opened at XX/XX/XXXX on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened atXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that TransUnion, Experian, and Equifax credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), XXXX XXXX Bank XXXX XXXX on XX/XX/XXXX under the account numbers ( XXXX, XXXX ), a personal loan account opened at Avant WebBank on XX/XX/XXXX under the account number ( XXXX ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00} that appears related to the aforementioned personal loan account opened at Avant WebBank. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am frustrated by the ongoing inaccuracies on my credit report despite sending multiple dispute letters. I am disputing the inaccurate reporting of three crucial dates : Last Activity, Date Opened, and Date Reported. These discrepancies violate credit reporting guidelines, which mandate consistency and accuracy across all credit bureaus. The misleading information must be corrected immediately. I request the removal of these inaccuracies from my credit report. 

Under the Fair Credit Reporting Act, it is essential that all information on my credit report be completely accurate. These discrepancies are violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Attached are copies of all previous dispute letters for your reference.

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: PA

Complaint narrative:
I am filing this complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. 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 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under 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 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 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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
Received calls from H & R accounts on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX with a recorded message saying to call them back about a debt they were trying to collect. I also received a number of calls from them in XXXX. Never received any written communications from them before. Called them back today to request a debt verification letter to verify the debt, figure out the source and get a reference number to pay the debt. They refused to send out a letter and also refused to remove me from a call list after I asked them to only contact me via written communication.

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: NV

Complaint narrative:
I am filling complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the 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 Funds Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation