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

Complaint narrative:
XX/XX/year> I should have received my direct deposit on Thursday the XXXX. I am writing this on Friday the XXXX. 
I have yet to receive my funds and have yet to receive another update regarding the situation ( There was an initial email stating CapitalOne was experiencing technical issues, deposits will be delayed ). While I am not in any urgent need to receive my deposit, the way CapitalOne is handling this is unacceptable. I would like the funds that I earned to be deposited into my account. 
Regarding CapitalOne 's response : I had to sit on hold for multiple hours just so I could speak with a human being. That person, who's name I forget, said all they can tell me is they're working on it and it will be fixed soon. They said my account is completely safe but due to their incompetence handling this issue, I would prefer more concrete proof that my account is safe and not just word of mouth. 
I confirmed with my company payroll officer that my deposit was submitted on time and correctly. 
Since I am finished writing this, I checked my account and email once again. Still nothing. No updates and no funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XXXX XXXX has been charging me multiple overdraft fee. XX/XX/XXXX ther was XXXX - {$30.00} overdraft fee. XX/XX/XXXX there is XXXX {$30.00} overdraft fees. XX/XX/XXXX for XXXX {$30.00} draft fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

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

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

Complaint narrative:
Im filling 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 solution 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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to address the recent verification of my dispute regarding fraudulent items on my credit report, submitted under 15 U.S.C. 1681c-2. While I appreciate your attention to my identity theft claim, I am concerned that a certain account remains on my report, violating the Fair Credit Reporting Act ( FCRA ). Moreover, this account was previously deleted and subsequently reinserted without proper notification, which represents an additional violation of current regulations. 
According to 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days. Therefore, any accounts that were not removed in compliance with this law must be deleted immediately. 
Additionally, under 15 U.S.C. 609 ( a ) ( 2 ), consumers are entitled to an accurate report, and 15 U.S.C. 1681i ( 7 ) requires that any unverifiable information be removed from the credit report. 
Accounts in Dispute : - XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ) - XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Violation Due to Improper Reinsertion Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert previously deleted information without certifying its accuracy and notifying the consumer within five business days. In this case, I have documented proof that this account was deleted in a prior dispute and was later reinserted without proper notification, which constitutes a violation of the FCRA. 
Furthermore, under 15 U.S.C. 1681s-2, information furnishers are prohibited from reporting inaccurate or unverifiable information. Since this account was previously deleted, its reinsertion without new verification violates my consumer rights.

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: TX

Complaint narrative:
I am writing to address the recent verification of my dispute regarding fraudulent items on my credit report, submitted under 15 U.S.C. 1681c-2. While I appreciate your attention to my identity theft claim, I am concerned that a certain account remains on my report, violating the Fair Credit Reporting Act ( FCRA ). Moreover, this account was previously deleted and subsequently reinserted without proper notification, which represents an additional violation of current regulations. 
According to 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days. Therefore, any accounts that were not removed in compliance with this law must be deleted immediately. 
Additionally, under 15 U.S.C. 609 ( a ) ( 2 ), consumers are entitled to an accurate report, and 15 U.S.C. 1681i ( 7 ) requires that any unverifiable information be removed from the credit report. 
Accounts in Dispute : - XXXX XXXX XXXX XXXX XXXXXXXX # XXXX ) - XXXX XXXX XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Violation Due to Improper Reinsertion Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert previously deleted information without certifying its accuracy and notifying the consumer within five business days. In this case, I have documented proof that this account was deleted in a prior dispute and was later reinserted without proper notification, which constitutes a violation of the FCRA. 
Furthermore, under 15 U.S.C. 1681s-2, information furnishers are prohibited from reporting inaccurate or unverifiable information. Since this account was previously deleted, its reinsertion without new verification violates my consumer rights.

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:
I am filing a comaont about cash app block inc. Due to a inadequate customer service and unfair practices which violate the consumer financial protection act ( cfpa ) specifically casp app failed to take timely and effective mesasures to prevent address fraud on there platform leaving my account vulnerable and unprotected there dispute resolution was unfair and deceptive as they did not comply with error resolution requirements. Under the electronic fund transfer act ( efta ) and regulation!!! these actions have caused significant inconvenience and finacial loss and I seek appropriate redress for these violations thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit union regarding multiple overdrafts fees I have incurred. Despite having sufficient funds when the transactions are authorized, I was charged fees due to lagged posting of charges and credits. This issue align with the recent CFPB findings against Navy Federal Credit union for similar practices, where transactions settled with insufficient balances despite having funds. I believe that these practices are unfair and request and investigation into my account transactions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently pulled my credit report again and noticed items that were marked in my identify case are still reporting. I will upload a identify theft report, lease, an social security card for more accurate update. I have incorrect name, address and employers. My only name is XXXX XXXX. My only address have been XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I have serval accounts connected to inaccurate information on my credit report. which in violation my FCRA NO. XXXX 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 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: 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. Futhermore, 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: WA

Complaint narrative:
Someone had hacked into my account and took my money on cash app. When trying to call customer service to find out what they can do, I ended up with another hacker. Claiming to be with cash app. He walked me thru steps that basically wiped out my entire account telling me that cash app would replace everything!! Nothing ever happened and never got my money back.

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 CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely acess to funds. This Situation raises concerns about customer 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: OH

Complaint narrative:
Im 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 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 cause 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 ( 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.

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: CT

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has sited tech difficulties which may have violated the EFTA as it requires timely access to funds. This has drastically raised concerns in regards to consumer protection laws and 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit in the amount of {$5300.00} from my employer on XX/XX/year>. This incident has also caused me to be unable to pay other institutions, which will likely result in fees and other negative consequences. 

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.

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 bank with Capital One and they had technical issues with their third party vendor that manages direct deposits. My employer sent my paycheck to Capital One on XX/XX/year> and it still hasn't been posted and I do not have access to the fund. When I tried to contact Capital One I was on an automated hold for 90 min before the call dropped. Multiple attempts to contact them again resulted in the calls being dropped immediately. 
They did not send any communication indicating there was a problem and I had to find out through the media. When they finally did post something it was a generic statement saying they are having technical issues and are working on it. There was no timeline on an estimate of when it would be resolved. I am going on 48 hours now without my paycheck and auto-pay bills are being declined which potentially alters my credit with vendors and results in my having to spend more time resolving those issues as well. 
At this time Capital One is in violation of our agreement to make funds available when they receive them from my employer.

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: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XX/XX/year> I submitted a complaint through the CFPB portal complaint # XXXX. I requested NATIONAL CREDIT ADJUSTERS to cease communication pursuant to 15 USC 1692c ( c ). After reviewing unverified documents or information I am unaware of any contractual agreement and or obligation to pay NATIONAL CREDIT ADUSTERS. PLEASE NOTE : I refuse to pay this alleged debt. I am demanding that ATIONAL CREDIT ADJUSTERS delete or remove this account from any and all credit report agencies immediately upon receipt of this refusal to pay NOTICE. Please note failure to comply under the FDCPA 15 USC 1692c ( c ) shall be a violation of my federally protected consumer rights.

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 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 Fraud Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial lost, 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 using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
I still have a transaction still pending with Cashapp from XX/XX/year> and its XXXX XXXX XXXX. The charge was from XXXX. It cleared on XXXX XXXX  end but is still show pending on cash apps end. 

Mon, XX/XX/year> - Previously I've had charges that didn't make sense and when asked Cash App 's " customer service '' support via chat. I didn't feel safe to use my debt card with them. And the only answer I would get is " you are unable to complete this transaction with your cash app card. for security purposes, we do not have further information to provide ''... well who has the information then?

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: AZ

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 ( CFRA ). 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 Regulations 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 service problem — 
Company: Block, Inc.
State: NJ

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 m ' 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