vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: 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 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 redrese 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: NV

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

Furthermore, their dispute resolution 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 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: SC

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 2025-01-18 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 failed to deposit direct deposit from my employer and other incoming deposits. They have cited technical issues as sent out via email after failure to do so within the allotted 48 hours they are given which may violate Electronic Funds Transfer Act ( EFTA ). This situation is raising many concerns about consumer protection and would to request assistance in investigating, ensuring compliance and accountability on their part as well as to promptly receive the amount owed to me. 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 — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Today I spoke with an agent XXXX at Experian. I had let him know that according to the FCRA law old addresses and phones numbers.

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 — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CDPB 's recent administrative proceeding ( File No. XXXX against them for similar violations. I request that the CFPB take action to ensure Transunion complies with federal law and provides consumers with necessary proof of investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One did not even send out a notice with their " third party '' vendor for their inability to make payments. They need to make it right. I have bills to pay and not having access to my ACH transfer is harming me. I was just about to pay off all of my credit cards. Now I continue to accrue interest because they are not forthcoming with the issues.I am guessing they got hacked or hired a poor partner to handle these transactions. This should be on them with penalties. ( financially ) m Especially since they take our deposits and play with them getting credit from the FED and then loaning out our money and charging people interest on money that was not even theirs, as their was no contractual consideration given. I am call my my lawyer. The truth be told, if they had our money they would cover the deposits, but they don't or they don't care. This is why a run on a bank happens. What a broken system. Where they hacked and not admitting it? Is this fraud or other legal violation? Take a guess. Someone should be fired for this.

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am to formally express my concerns regarding XXXX 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 CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety. The amount Ive been ripped from exceeds 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filling a complaint against Cash App ( block , inc . ) due to inadequate customer Service and unfair practice, Which violates the consumer Financial Protection act ( CFPA ). Specifically cash app Failed to take timely And effective measures To prevent an address Fraud on their platform Leaving my account Vulnerable and unprotected. Furthermore They 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 have caused Significant inconvenience And financial loss And I seek appropriate redress For these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One Bank is withholding my direct deposit since XX/XX/year>. They notified consumers via email XX/XX/year> at XXXX that there is a technical issue. It is XX/XX/year> XXXX with no update of the situation. They wrote issues is to be expected to be resolved Friday XX/XX/year> morning. I have yet received my money that I earned. They need to be investigated and consumers shall be compensated for all the trouble this has caused.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices that 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 always 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to temporarily unfreeze my credit report so that a prospective landlord can run a credit check. I DO NOT want to participate in free trials for paid Experian products, such as their personal credit reports. I tried unfreezing my file via automated phone tree, but the calls were wither dropped or redirected me to the website. I then tried using experian.com/freeze, but every login link that I try redirects me to the screen that tries to get me to order a free credit report. There is no way to bypass this. I downloaded the app, multiple methods of login fail due to an 'unspecified error '. Every part of this system is nonfunctional and I can't proceed with unfreezing my credit.

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: OH

Complaint narrative:
Cashapp have half returned not returned and also has never even returned on some of my money sometimes I get reported and I have NOBODY TO CALL AND REPORT IT, its all over the app and it doesnt make sense

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital Bank due to the release of my direct deposit funds in my account. This was an issue before my direct deposit was suppose to hit my account and Capital One failed to disclose that my funds will be delayed, due to unforeseen circumstances. The primary law governing when a bank can withhold money from your account is the Expedited Funds Availability Act ( EFA ), also known as Regulation CC, which allows banks to place a hold on deposited funds for a specific period under certain circumstances, but requires them to notify you of the reason and when the funds will be available for withdrawal. This has caused me financial hardship due to me needing my money that I worked for to pay bills and get necessities for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I had a XXXX  XXXX on a 3-year lease, but after an accident at the 2.5-year mark, the car was totaled, and the lease was paid off through my insurance company. I was able lease a new vehicle immediately after the accident and was told everything was in good standing. After I signed a new vehicle lease I recevied a past due balance {$1200.00} on my credit report significantly impacting my life by hindering my ability to obtain loans, rent apartments, get certain jobs, and even access utilities, as lenders and landlords. XXXX XXXX stated the tires were not XXXX factory tires. The vehicle was paid in full and the tires were all original to the vehicle. They have made no effort to show me proof or willingness to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX is the problem. When I first started using it it never said, make sure you are sending the money to the right person. Once the money is sent you were never ever getting it back even if you called your bank to explain to them about a transaction. Now when you send money it appears on screen to make sure you sending money to the right person.

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: Early Warning Services, LLC
State: MN

Complaint narrative:
I am writing to Formally express my concerns regarding Zelle handling disputes particularly in light of the recent cfpd lawsuit highlighting significant issues with the platform despite using Zelle numerous times and reporting discrepancies my financial institution and zelle failed to investigate my claims adequately they informed me recovering lost funds was impossible and the tracking these transactions was unfeasible the cfpbs finding indicate that zelle had neglected to protect consumers but also allow repeat offenders to exploit the system leaving users vulnerable to scams

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my final demand for the immediate removal of the fraudulent account you have reported under account number XXXX, allegedly associated with XXXX XXXX  and opened on XX/XX/2024. I previously requested validation of this debt, and you have FAILED to provide any documentation proving its legitimacy. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1692g ( b ) ), you are required to cease all collection activities and verify the debt upon request. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be promptly deleted from credit reports. Your failure to comply with these legal requirements leaves me no choice but to DEMAND the immediate and permanent removal of this fraudulent account from all credit reporting agencies. 

This account is fraudulent. I have no knowledge of its origin, and I am NOT LIABLE for this debt. I require confirmation that this account has been completely removed from my credit profile and that you have ceased all collection efforts. 

Should you fail to comply with this demand, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. Furthermore, I will consider pursuing legal action to enforce my rights and hold you accountable for any damages caused by this inaccurate reporting. 

This is a serious matter, and I expect your immediate action. Confirm in writing that this account has been removed, or be prepared for further consequences.

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

Complaint narrative:
This is my final demand for the immediate removal of the fraudulent account you have reported under account number XXXX, allegedly associated with XXXX XXXX  and opened on XX/XX/year>. I previously requested validation of this debt, and you have FAILED to provide any documentation proving its legitimacy. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1692g ( b ) ), you are required to cease all collection activities and verify the debt upon request. Additionally, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), information that can not be verified must be promptly deleted from credit reports. Your failure to comply with these legal requirements leaves me no choice but to DEMAND the immediate and permanent removal of this fraudulent account from all credit reporting agencies. 

This account is fraudulent. I have no knowledge of its origin, and I am NOT LIABLE for this debt. I require confirmation that this account has been completely removed from my credit profile and that you have ceased all collection efforts. 

Should you fail to comply with this demand, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals office. Furthermore, I will consider pursuing legal action to enforce my rights and hold you accountable for any damages caused by this inaccurate reporting. 

This is a serious matter, and I expect your immediate action. Confirm in writing that this account has been removed, or be prepared for further consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My direct deposit didnt go thru I need the funds for bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
With Capital One, I have access to early pay from my job 's direct deposit. I didn't get it Wednesday or Thursday. Today is Friday and I still have not received my direct deposit. I have the pay statement from my job so I know they dispersed the funds.

Company response to consumer: Closed with explanation