vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
12 USC 1431 & 15 USC 1611 Powers and duties of banks Banks are required by LAW to provide small businesses XXXX XXXX XXXX XXXX funding without showing documentation.All you need is an XXXX XXXX XXXX 

15 USC 1691 You can not be denied credit due to credit score credit history or income. Any adverse actions in a consumer credit transaction is unlawful for any creditor to discriminate against ANY applicant for ANY reason ( including bad credit ) it is their duty to extend credit to consumers.

Application number:XXXX

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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I'VE REQUESTED VERTIFICATION OF THIS DEBT AS REQUIRED UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) 15USC1692G. I'VE REQUESTED THE FOLLOWING INFORMATION : 1. THE AMT OF THE DEBT - TO INCLUDE A BREAKDOWN OF THE TOTAL AMT OWED INCLUDING ANY FEES OR INTEREST. 2. THE NAME OF THE ORIGINAL CREDITOR. 3. PROOF OF DEBT - DOCUMENTATION OR SIGNED COPIES OF ANY CONTRACT AGREEMENT, THE DATE OF THE ORIGINAL DEBT AND THE DATE OF THE LAST PAYMENT, OR ANY OTHER EVIDENCE THAT CONFIRM I AGREED TO THIS DEBT. 4. A STATEMENT CONFIRMING THE DEBT IS VALID, ACCURATE, AND LEGALLY ENFORCEABLE. 

I HAVE NOT HEARD BACK WITH AN ANSWER.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
My phone and wallet were stolen at XXXX XXXX on XX/XX/25. The person was able to access my locked phone and use my Cash App to make multiple fraudulent withdrawals from my linked bank account, transfers to other Cash App accounts and business payments. I have disputed the following fraudulent transactions with Cash App support : 1. A payment of {$2500.00} to another Cash App account at XXXX XXXX on XX/XX/25. This dispute was opened by me on XX/XX/25 and it was denied because they deemed that " ... no error occured because the payment was authorized using a Security Lock feature. '' I reopened the dispute again on XX/XX/25 and have not received an update as of XX/XX/25. 

2. A XXXX purchase of {$94.00} at XXXX XXXX on XX/XX/25. This same amount of XXXX was then sold at {$88.00} at XXXX XXXX  on XX/XX/25. I contacted Cash App support on XX/XX/25 and I received an email that stated the transactions were irreversible even when explaining my situation. I have called again to re-escalate the dispute and I have not received an update as of XX/XX/25. 

3. A payment of {$67.00} to a shop at XXXX XXXX on XX/XX/25. This dispute was opened by me on XX/XX/25 and it was denied because they deemed that this transaction was authorized by me or someone I attempted to reopen the dispute again on XX/XX/25 and have not received an update as of XX/XX/25 and this transaction is deemed as finalized. 

4. A payment of {$21.00} to a shop at XXXX XXXX on XX/XX/25. This dispute was opened by me on XX/XX/25 and I have not received an update at all about this fraudulent transaction as of XX/XX/25.

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: IN

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 redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Both my mom and I havent received our direct deposit checks. Since Tuesday they said they are having a issue and it wouldve been in our accounts by Friday i have bills to pay and places to be i dont have no money they are holding everything i got

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: IL

Complaint narrative:
I am writing to complain about the handling of my recent credit dispute with Experian and XXXX XXXX. Despite providing sufficient evidence to support my claim, that XXXX XXXX has inaccurately reported on my income, I requested experian to investigate and dispute any errors and they have failed to do so. i asked experian to remove the account, it is evident that Experian failed to thoroughly investigate the matter, as required by the Fair Credit Reporting Act ( FCRA ). 

This negligence aligns with allegations in the current CFPB lawsuit against Experian, which highlights systemic failures in dispute resolution and compliance with consumer protection laws. Their inadequate response has caused undue harm and undermines the trust consumers place in credit reporting agencies. 

I request immediate re-investigation of my dispute and a detailed explanation of the steps taken to resolve it. Please ensure compliance with legal standards and uphold your obligation to provide accurate and fair reporting. 

Sincerely, 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: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JP Morgan Chase violated my trust account ending in XXXX by committing an adverse action against the estate of XXXX XXXX by closing my trust account due to an alleged debt. JP MORGAN CHASE never validated the debt or consulted with the estate of XXXX XXXX to settle any alleged debt violating the TRUST INDENTURE ACT. JP MORGAN CHASE has caused financial instability for my estate by claiming my estate owes a debt without properly doing the accounting on my trust account. The estate of XXXX XXXX deposited a collateral security with JP MORGAN CHASE and never received consideration for the deposit.

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 a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the 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 th4e EFTA and Regulation E. These actions have caused a 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On multiple occasions, id request to speak with a live agent & my request was never handled. There was also a time i disputed a transaction, regarding a rental i did not partake in and the funds were delivered back to my account ; only to leave me negative the following day.

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: IL

Complaint narrative:
On XX/XX/XXXX there was a notification on Capital Ones app that said they were experiencing issues with some account features vastly underselling the issues they were having. No customers in the US received their direct deposits between XX/XX/XXXX up to now, XXXX on XX/XX/XXXX. There are people whose account history cant even be found. Receiving a direct deposit 3 days late creates many issues for people in the working class that live paycheck to paycheck, now bills arent being paid and people expecting money arent receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is having delays with their direct deposits starting on XX/XX/XXXX. No notice was sent out from their system until XX/XX/XXXX and stated that funds should be allotted this morning. Funds have not been received. The delay in notice is unacceptable. 

I also have a 360 savings account with them and know they have not been paying the appropriate interest on the accounts.

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: MD

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from 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: Other transaction problem — 
Company: Block, Inc.
State: MI

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: DE

Complaint narrative:
I am filing a complaint against cashapp ( Block.inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act .specifically Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
I bank with capital one and due to the third party issue I have not received my direct deposit check from my employer. I understand it was not a large amount but it causes many issues in my life like not being able to get gas or groceries when I need my check

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: TN

Complaint narrative:
I am filing 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 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 service problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
Cashapp had no way of communicating for a long period of time making it hard to get refunds and ask questions

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: NY

Complaint narrative:
I havent received my paycheck from ny employer due to Capital One having technical issues. I called and they told me that their XXXX  party company was having issues that would affect deposits and ACH transfers. So I called the branch itself to see what they can do as a resolve and I explained that I have bills go pay and they told me to ask the bill payers to give me an extension and I believe that is unacceptable

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: SC

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year> I was scheduled to receive a direct deposit from my employer to my bank account. It is still being held up and has not been deposited into my account. The company claim it is due to technical issues and promised it will be resolved the same day. However it has been over XXXX and I have yet to receive my deposit.

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: GA

Complaint narrative:
I am trying to purchase a home and get access to my credit files and have my reports as accurate as possible and seem to get nothing. Tried calling and the prompts wouldnt work. Then tried to access XXXX XXXX XXXX  site which is monitoring my credit and each time I log on, it shows a blank page. For a year now TransUnion is reporting inaccurate address and phone phone number. Ive tried through their chat and then the representatives are always disconnecting. I want my address and phone number updated by law TransUnion refuses to do within XXXX business days or settlement payment relief for each violation. 

I am uncomfortable sending my personal info via mail to Transunion especially considering the data breach that keeps happening. I uploaded it through a secure portal and got an email confirming TransUnion received said documents.

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: TX

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint with the CFPB regarding XXXXXXXX XXXX XXXX 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 ( XXXX ) 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: 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 a complaint with the CFPB regarding XXXX XXXXXXXX XXXX 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 ( XXXX ) 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