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: 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

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: CA

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 systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence XXXX provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

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 venerable 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX Trans union None of these companies did a thorough investigations on all accounts that were supposed to be removed from account and delete. The amounts on some of the accounts owed are inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian XXXX XXXX XXXX None of these companies did a thorough investigations on all accounts that were supposed to be removed from account and delete. The amounts on some of the accounts owed are inaccurate

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: FL

Complaint narrative:
Im filing a complaint against Cashapp ( BLOCK , inc ) due to inadequate customer service and unfair practices, which vitge Consumer financial Protection Act ( CFPA ). Specifically, cash App failed to take timely 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 cause significant inconvenience and financial 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: CA

Complaint narrative:
Yesterday, I was scheduled to receive my paycheck, but due to a technical glitch with Capital One, I was unable to access my funds. Consequently, I was unable to purchase fuel for transportation to work, resulting in a loss of {$200.00} for the day. 
Furthermore, I have been charged a late fee for rent, amounting to {$100.00}. Therefore, my current financial situation is negative, with a total loss of {$300.00} due to the Capital One issue, which I only recently switched to. This situation is highly unfortunate.

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 the c. F p b regarding capitol, one 's failure to deposit, my direct deposit from my employer and other income and deposits. Capital one has cited technical issues, which may violate the electronic funds transfer at ( efta ) ask 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: 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 Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and effective 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filling a complaint with the CFPB regarding Capital One 's failure to the deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to formally file a complaint against Affirm for what I believe to be violations of my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Specifically, I believe Affirm has engaged in actions that infringe upon my right to privacy and compliance with statutory requirements governing credit reporting and payment handling. 
Alleged Violations : Violation of Privacy Rights ( 15 U.S.C. 1681, Section 602 ) : Section 602 of the FCRA ensures my right to privacy concerning my consumer information. Affirm has violated this right by furnishing or disclosing my account information to third parties without my explicit written instructions, contrary to the provisions outlined in Section 604 ( a ) ( 2 ) of the FCRA. 

Improper Reporting Without Written Authorization ( 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) ) : Affirm has furnished information about my account to a consumer reporting agency without my explicit written consent, as required by federal law. This action is a clear breach of my rights and constitutes a violation of the FCRA. 

Mismanagement of Payments ( 15 U.S.C. 1666b ) : Affirm has also treated payments on my account under an open-end consumer credit plan as late, despite the fact that payments were made in a timely manner. Section 1666b explicitly prohibits creditors from treating payments as late " for any purpose '' when they have been made in compliance with agreed-upon terms.

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: MI

Complaint narrative:
Cease and Desist Violation of Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) Dear XXXX XXXX XXXX I am writing to formally demand that you immediately cease and desist from your failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that a consumer reporting agency, or any entity providing consumer reports, must maintain procedures designed to ensure maximum possible accuracy of the information in consumer reports. 

On XXXX XXXX I discovered that inaccurate, incomplete, or unverifiable information was included in my consumer report, despite my prior communication with your organization regarding the discrepancy. According to 15 U.S.C. 1681e ( b ), you are legally obligated to follow reasonable procedures to ensure the accuracy and integrity of the consumer information you report. 

By failing to correct or verify the disputed information, you are violating my rights under the FCRA. I request that you immediately take the following actions : Correct the inaccuracies or discrepancies in my consumer report, as per the mandates of 15 U.S.C. 1681e ( b ). 
Provide written confirmation that you have investigated and corrected the inaccuracies, including an explanation of the actions taken to ensure the accuracy of the information. 
Cease including any unverified or inaccurate information on my consumer report. 
If you do not take appropriate and immediate action to resolve this matter, I will be forced to consider further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages through legal channels. 

Please treat this matter with the urgency and attention it deserves. I expect to receive a written response within 30 days confirming your compliance with my demands. 

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 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: MI

Complaint narrative:
Cease and Desist Violation of Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) Dear XXXX XXXX XXXX I am writing to formally demand that you immediately cease and desist from your failure to comply with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that a consumer reporting agency, or any entity providing consumer reports, must maintain procedures designed to ensure maximum possible accuracy of the information in consumer reports. 

On XXXX XXXX I discovered that inaccurate, incomplete, or unverifiable information was included in my consumer report, despite my prior communication with your organization regarding the discrepancy. According to 15 U.S.C. 1681e ( b ), you are legally obligated to follow reasonable procedures to ensure the accuracy and integrity of the consumer information you report. 

By failing to correct or verify the disputed information, you are violating my rights under the FCRA. I request that you immediately take the following actions : Correct the inaccuracies or discrepancies in my consumer report, as per the mandates of 15 U.S.C. 1681e ( b ). 
Provide written confirmation that you have investigated and corrected the inaccuracies, including an explanation of the actions taken to ensure the accuracy of the information. 
Cease including any unverified or inaccurate information on my consumer report. 
If you do not take appropriate and immediate action to resolve this matter, I will be forced to consider further legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking damages through legal channels. 

Please treat this matter with the urgency and attention it deserves. I expect to receive a written response within 30 days confirming your compliance with my demands. 

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

Complaint narrative:
To Whom This May Concern : I am filing with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer along with any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld. 

Thank you XXXX XXXX

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 ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Direct deposits in 2 accounts of mine have not deposited. Company has not offered any information as to when Friends will be available My employer has dated direct deposit went to my bank on Tuesday. Direct deposit is always there on Thursday morning and is still not available. Nor is it pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Have been numerous times where i was charged overdraft fees for various checking accounts.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing in response to the recent letter I received from your office requesting additional information to proceed with my dispute. I would like to bring to your attention that the requested information was already included in my initial submission. I am confident that all necessary documents and verifications have been provided, and therefore, there should be no need for additional information at this time. 
Please note that if I receive further correspondence indicating that you have ceased investigating my dispute due to a lack of informationwhen all necessary details have already been submittedsuch an action would constitute a violation of the Fair Credit Reporting Act ( FCRA ). Delaying the investigation in this manner, thereby extending compliance deadlines by 30-60 days, is unacceptable. 
If such a situation arises, I will have no choice but to pursue all appropriate legal remedies. This serves as formal notice of my expectations regarding your adherence to the FCRA. 
To ensure clarity, I am enclosing both your recent letter and my original submission for reference. My initial dispute letter included all essential details required for verification and the initiation of the investigation process. Under the FCRA, particularly Section 611 ( a ), the timeline for investigating disputed information begins on the date my dispute was received, as indicated in your acknowledgment letter. 
According to the FCRA : 1. The investigation must conclude within 30 days of receipt of my dispute ( acknowledgment date : [ Insert Date ] ). This makes the deadline for resolution [ Insert Date + 30 days ].

2. Extensions to the 30-day investigation period are permitted only under specific circumstances outlined in Section 611 ( 1 ) ( C ), none of which apply to this dispute based on your response.

3. The results of the investigation must be provided to me within five business days of its conclusion, as mandated by Section 611 ( 3 ) ( A ) .I trust that you will address this matter promptly and in compliance with the FCRAs requirements. Any further delays or procedural missteps will leave me no choice but to escalate this matter further. 

Thank you for your attention to this issue. I look forward to your timely response and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I didn't have a escrow shortage for XXXX, {$1400.00} was paid for XXXX insurance and as of XX/XX/XXXX my escrow balance was XXXX, then XX/XX/XXXX escrow balance was {$2100.00}. Truist took out property taxes out XX/XX/XXXX {$1200.00} and additional amended taxes for {$830.00} on XX/XX/XXXX. So, as of XX/XX/XXXX I have a balance in escrow {$540.00}. My mortgage going from {$820.00} to starting XX/XX/XXXX {$980.00}. Because Truist say that they are projecting a escrows shortage for my homeowners insurance. Truist don't know if I'm going to have a shortage. Therefore, they are increasing my mortgage on the front end. Truist is saying if I have a shortage and I pay it in full that they have to still go up on my mortgage. I put additional in my escrow before my homeowner insurance comes and my property taxes comes. Furthermore, so my mortgage don't go up because I '' m on a fixed income.

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