vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 in their platform leaving my account vulnerable and unprotected. Furthermore their dispute process was as they did not comply with error resolution requirements. Under the electronic fund transfer act. ( EFTA ) and regulation E. These actions have cause an inconvenience and financial loss. I seek appropriate redress for these violations.

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

Complaint narrative:
I am suing Cashapp ( Blocked inc. ) for misrepresentation and knowingly allowing scams and fraudulent transactions occur on their platform.

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: MA

Complaint narrative:
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: 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: MO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
XXXX is listing a {$150.00} balance from Credit Collection Services. 

I paid that balance in XXXX, and CCS told me they reported it as paid on XX/XX/XXXX. 

This item should not be reappearing on my credit report. It cost me XXXX XX/XX/XXXX on myXX/XX/XXXXscore and Id like to get that corrected.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute the presence of fraudulent accounts on my credit report. These accounts were opened without my authorization, and I demand their immediate removal. 

The fraudulent accounts in question are as follows : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts are not mine, and I am a victim of identity theft. Enclosed with this letter, you will find a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which substantiates my claim, along with a copy of my government-issued identification and proof of address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within 30 days. I expect you to conduct a thorough investigation, remove these fraudulent accounts from my credit file, and send me a corrected credit report reflecting these changes. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Please confirm receipt of this letter and provide updates on the status of your investigation. You may contact me at the email address or phone number listed above if you require additional information. 

Thank you for your prompt attention to this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute the presence of fraudulent accounts on my credit report. These accounts were opened without my authorization, and I demand their immediate removal. 

The fraudulent accounts in question are as follows : XX/XX/XXXX XX/XX/XXXXThese accounts are not mine, and I am a victim of identity theft. Enclosed with this letter, you will find a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which substantiates my claim, along with a copy of my government-issued identification and proof of address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within 30 days. I expect you to conduct a thorough investigation, remove these fraudulent accounts from my credit file, and send me a corrected credit report reflecting these changes. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Please confirm receipt of this letter and provide updates on the status of your investigation. You may contact me at the email address or phone number listed above if you require additional information. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one hasnt deposited direct deposit since Thursday morning

Company response to consumer: Closed with explanation
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: TX

Complaint narrative:
I have not received my direct deposit from my pay checkI usually receive my direct deposit on Thursdays which would have been XX/XX/year> here it is XX/XX/year> no direct deposit. I have bills due. I need money to get ready for this freeze that is coming XXXX I called and its just the same robotic message.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A letter was sent to me from Transunion and it states that they do not have any personal information on me or a credit record. How are they reporting verified information on my report if they don't have this information? Transunion is doing sham investigations and unlawfully failing to properly investigate my consumer disputes and it's hurting my credit worthiness and is also deformation of my character when other companies see this inaccurate information on my report.

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: Fraud or scam — 
Company: Block, Inc.
State: KY

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: TX

Complaint narrative:
I am filling a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the customer 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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" I am writing to dispute accounts on my credit report that were made without my consent. According to section 604 of the FAIR CREDIT REPORT to section ( 15 U.S.C 168 1B ), there are specific permissible purposes for obtaining a credit report. I did not authorize these accounts and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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:
As of XX/XX/year>, capital one has been having technical issues. I did not receive my deposit from my employer on this bank. It worked fine with my other bank. Capital one stated they have an issue with the servicer they use. I am getting declined transaction notifications for the items pending to be paid out today because my deposit should have posted by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: KY

Complaint narrative:
XX/XX/XXXX STATEMENT I received an invoice from XXXX XXXX XXXX collection agency in XXXX. It was an offer to settle a debt for me 40 %. I had no knowledge of this debt. I called to inquire and was told that in XXXX, XXXX years ago, I opened a XXXX XXXX account and charged {$350.00} at XXXX XXXX XXXX store. I have no knowledge of those actions. I ordered copies of all three credit reports and this negative item appeared there, it was a brand new item. I called XXXX XXXX on XX/XX/XXXX and they said I never had a credit card with them. I asked for a short statement from them stating that I had never had a credit card and they denied it. They dont provide statements that say someone has never had a credit card. XXXX XXXX said they did not see a XXXX XXXX card on my credit history. 

Please see the attached Invoice from XXXX XXXX XXXX requesting a settlement. 

I was told by XXXX XXXX XXXX to email XXXX for clarification of this situation. I did not receive a response. Please see the attached XX/XX/XXXX email. 

The Bureaus is listed on my credit reports. I called them several times. They say that on XX/XX/XXXX I opened a XXXX XXXX credit card. I am an airline pilot and I was flying from XXXX XXXX to XXXX XXXX XXXX  that day. There is no XXXX XXXX XXXX store in XXXX. I googled XXXX XXXX XXXXXXXX and they have been bankrupt for years. 

I question how a collection agency could become involved with a bankrupt company XXXX years after an alleged charge and try to collect 60 %. I spoke with the Consumer Protection Agency and Better Business Bureau and they stated that this appears to be fraud. I do not know what the statute of limitations is, either. 

I asked XXXX XXXX XXXX and The Bureaus of documentation. A credit card statement, invoice, anything for proof that these charges ever happened. As I stated, XXXX XXXX said there is no account. 

I have an immaculate credit history. I pay my accounts by auto pay. I want an explanation of what this harassment is about. At the very least, I need this item removed from my credit record at all three credit bureaus. 

I request your assistance with this matter. Thank you, XXXX XXXX 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I AM A CONSUMER WITH PROTECTED RIGHTS, SO PLEASE REMOVE ALL OF THESE FAKE, FRAUDULENT, AND INACCURATE ACCOUNTS FROM MY CREDIT REPORT ; if they do not, I will take them to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to address an issue regarding a recent check deposit to my account that has resulted in the account being placed on hold. The check, issued by a company, was flagged by the bank as potentially fraudulent due to the systems inability to recognize it. It is important to note that the check originated from the same bank where both the issuer and I hold accounts. 

Upon reviewing the transaction, it is clear that a withdrawal was made, and the deposit was processed. This raises a question : if the system could not recognize the check, how was the transaction successfully completed? When this was brought to the banks attention, no clear explanation was provided. Further investigation indicated that the issue was related to the name on the check ; however, the name corresponds to an authorized account holder, making this explanation seem unfounded. 

I would like to reiterate that there is no illicit or fraudulent activity associated with this transaction. Therefore, I respectfully request a thorough review of this matter and a prompt resolution, as there appears to be no valid reason for the check to be flagged or the account to be put on hold. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: First Credit Services Inc.
State: VA

Complaint narrative:
The well-spoken thesaurus XXXX The troops XXXX I filed a dispute on Account XXXX, Original XXXX YOUR TIME FITNESS CHESAPEA, due to gym owner ingore my request for contract, new key, and cancellation of membership. XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. XXXX violates my rights as a consumer, as well as federal laws.

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:
Capital One Bank is having a third party technical issue and withholding customers direct deposits. I was supposed to receive a direct deposit on the morning of XX/XX/XXXX and as of XXXX on XX/XX/XXXX I still do not have access to my money. Monday, XX/XX/XXXX, is also a holiday and therefore money will not be available until at least Tuesday XX/XX/XXXX... that is if they fix the issue. Capital One has been vague and even unresponsive to customers concerns. I did not receive an official notification of the issue until XXXX, when the issue had been ongoing for XXXX hours at that point.

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: LA

Complaint narrative:
I am filling a complaint against cashapp ( block.inc ) due to inadequate customer service and unfair practices Wich violates the consumer financial protection act ( XXXX ) .specifically cashapp failed to take timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected furthermore there dispute resolution was unfair and deceptive as the did not comply with error resolution requirements under the electronic fund transfer act ( EFTA XXXX and regulation Ethese actions has caused significant inconvenience and financial loss and I see 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: TX

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 systematic 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 Experians 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing an complaint with the CFPB regarding XXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited tech issues with no further explanation or anything I have called several times no lead time nothing. Myself like most people live paycheck to paycheck with small children, telling me you will cover late fees when you cant even give me the money im owed is ridiculous. This is violating the XXXX as it is requested in timely fashion it has been two days and nothing. I request your assistance in getting this resolved and also providing a compensation for this as well.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXXy the XXXX I didn't get my direct deposit of my paycheck. XXXX XXXX is having a known issue, I tried to contact the bank to find out when it would be fixed but got no clear response. When I tried calling about it I kept getting hung up on, when I tried calling about something different I was actually able to get someone. They're currently filtering calls and hanging up on people asking about updates. I need my direct deposit, I need my paycheck to live.

Company response to consumer: Closed with explanation