vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX I moved into my apartment with my daughter. I was approved because of my job that I had been at about 2 years. Shortly after moving in, about a month later, I was let go during Covid. I told my leasing office and the managers, XXXX XXXX and XXXX XXXX, and they told me they would work with me while I attempted to get work. After a while of not paying -- only finding part-time work -- I was told to apply for rental assistance. I didn't get anywhere with it, as so many others were attempting to get assistance at that time. The managers let me stay for 7 months while I looked for more work. Nearing the XXXX month, after I was only able to come up with some of the money, I was told by the leasing office I would need to either leave on my own accord or an eviction would be filed and I would be forced to go. 
I left to avoid an eviction on my record, but was then told in XXXX of the next year, XXXX, I would have to pay all the previous months of rent that had gone unpaid. I continued to be unable to pay for the next few years so the account went to collections. Now XXXX owns the debt. I tried to reach them once in XXXX to just try to figure out what could be done but was told I would need to remit the full payment, which I could not do, so I let more time pass. Fast forward, I called XXXX again on XX/XX/XXXX, now that I have a job and am finally getting back on my feet, almost 5 years later. When I called, I requested access to my client account, but was told by the agent they could not provide me a password to view my debt online because there is/was no password involved. When I visit their website, however, it Does require a default password. Repeatedly the agent told me they could only provide me my account number, but not a password. So I can not view/resolve the debt online. I was also told that they can not provide me any written confirmation once/if the debt was paid, only that I could call to verify it was paid and then call the XXXX XXXX XXXX  XXXX and have them remove the debt from my record. I am a single mom and currently living in a situation I need to get my daughter and I out of. I can not get into any decent apartment because of this debt on my record. I am attempting to pay it, as I have a job now, but I am getting no where. The rep I spoke with at XXXX last told me, yesterday, XX/XX/XXXX, that she would try to submit the request to the client ( the apartments ) and see if we could get it paid/settled at a percentage, but has submitted the request a handful of times and is not getting anywhere. I am trying everything I can think of to just get this off my record. Please, if anyone can, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OLIPHANT FINANCIAL, LLC
State: FL

Complaint narrative:
I disputed and asked for verification with XXXX of a debt of {$29.00} listed as a derogatory debt owed to Oliphant Financial , LLC ( Oliphant ). I also wrote Oliphant Financial LLC at their address of XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX with a debt. They did not respond within 30 days and their website googled shows they are permanently closed. ( see link below. XXXX has listed the {$29.00} alleged debt as disputed but have refused to verify it per the FCRA section 611 or remove it from my Credit Report causing my Credit score to drop XXXX points. Oliphant could not provide me with verification of the debt, what it was for, or any contract that substantiated it. Neither could XXXX. 
Nevertheless, XXXX refused to remove the derogatory {$29.00} and has violated the FCRA sec 611 et alia. Their website is non responsive, not allowing log-in. 
.Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company public response: Company disputes the facts presented in the complaint
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: Early Warning Services, LLC
State: FL

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 Iost 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 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
XXXX of XXXX  I disputed {$230.00} with cash app. I followed their process to dispute the amount and reason. Could not talk to any representative that represents cash app customer service. Their generated system denied my claim.

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

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 Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to my XXXX report On XX/XX/XXXX there was a XXXX XXXX XXXXXXXX opened and listed on my report with a balance of {$500.00}. There was a XXXX  XXXX XXXX, XXXX  opened on XX/XX/XXXX with a {$0.00} balance. There was also another XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a {$0.00} balance on it. There was a XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}. Ive made several claims about these incorrect reports on my credit report and nothing has happened.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to my XXXX report On XX/XX/XXXX there was a XXXX XXXX XXXXXXXX opened and listed on my report with a balance of {$500.00}. There was a XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a {$0.00} balance. There was also another XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX with a {$0.00} balance on it. There was a XXXXXXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX with a balance of {$0.00}. Ive made several claims about these incorrect reports on my credit report and nothing has happened.

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: 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 make 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 the tracking these transactions was unfeasible. The CFPBs 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 consumers safety.

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: NY

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate th Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take the 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: GA

Complaint narrative:
Cash App attempted to avoid many of its investigative obligations through tricking consumers with its Terms of Service. For example, many Cash App users link their bank account to the app. When a transaction occurs, the money is pulled from the users bank account and sent to the transaction recipient. In Cash Apps Terms of Service, consumers are led to believe that disputes are the responsibility of their linked bank. The Electronic Fund Transfer Act generally requires that peer-to-peer platforms, including Cash App, investigate disputes of unauthorized transactions, and a company can not simply use fine print to escape these legal requirements. When it did conduct investigations, Block used intentionally shoddy investigation practices to close reports of unauthorized transactions in the companys favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
It was with Zelle several years ago. Money was sent but a confirmation as to the correct recipient could not be determine and I essentially had no recourse, and my sensitive financial info may be exposed for anyone to use. I ultimately just started using XXXX primarily from that point to send money to my sons. Now, I've learned this has happened to others as well.

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: TX

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 XXXX 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. 2025-CFPB-0002 ) 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: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I was supposed to be paid my direct deposit from my occupation on XX/XX/year>. I did not review the early deposit and have bills to pay up to {$600.00}. I was not able to pay bills on time as there was a company wide issue with deposits. It is XX/XX/year> XXXX  night and I still have not received the funds. Capital one owes me money!

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 have multiple accounts with Capital One Bank current all deposits being made into my accounts through ACH and onsite deposit are not shown online as available funds. I have bills on auto drafts and if they are rejected because lack of funds, thing can be turned off and canceled. Customer service is not being clear about the cause of the issue, but no NSF charges will be applied to my accounts if they go in the negative. Still, this will not pay my creditors. I have spoken with other Capital One customers I know, and they are experiencing the same issue. Could you investigate to find out the truth?

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I usually receive my direct deposit on Wednesday. It has been XXXX  days and still do not have access to my direct deposit. I have been notified about Capital One having technical issues on XX/XX/XXXX the day after the fact. My employer has sent the direct deposit on Tuesday and I have the evidence to prove it. This also put me behind on bills due this situation.

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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was supposed to get paid by direct deposit yesterday with Capital One. And they said they're having issues, but I have a car note and must pay my XXXX  back. I've been called a XXXX because of the problem because I was expecting my money to give back to him yesterday. But I haven't received anything. Others have said the same thing : I am very frustrated ; I need gas in my car, my car note needs to be paid, and my insurance was supposed to be paid. My credit card bill with them as well is due. And I haven't heard anything back from anybody from Capital One!

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: 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 loss funds was impossible in that track in 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DailyPay, Inc
State: AZ

Complaint narrative:
I am filing a formal complaint against DailyPay for failing to deposit my direct payments on two separate occasions from my employer. After a XXXX, despite numerous attempts to resolve the issue, DailyPay has provided me with an inoperable tracing ID number, which raises concerns about compliance with the Electronic Funds Transfer Act ( EFTA ). The EFTA mandates timely access to funds, and this delay has caused financial inconvenience.

This situation highlights a potential breach of consumer protection laws, and I am requesting your assistance in investigating this matter thoroughly to ensure my rights are upheld. 

Thank you for your attention and support in resolving this issue.

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: IL

Complaint narrative:
Experian XXXX and XXXX have been notified on several incidents of identity theft and have yet to clear my report its preventing me from opportunities for housing financial support and education for my children this is completely illegal according to fcra regulations Im to be provided with an investigation on WHY these things are on my credit report most of these items I can not acknowledge for I did not commence any contracts or agreements for leases loans or credits as well as services including communication and health services

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 — Cashing a check
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Check deposited into the ATM and rejected. No one tried to reach out to the issusing company.

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: Early Warning Services, LLC
State: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of recent CFPB lawsuits highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies my financial institution adequately They informed me that tracking these transactions was infeasible .The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams

Company response to consumer: Closed with explanation