vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I received a check from an attorney in XXXX for {$5000.00} on XX/XX/XXXX. I went to the First Citizens Bank at XXXX XXXX XXXX XXXX, SC XXXX to deposit the check into my checking account. I used my debit card at the ATM in the drive through lane. I entered the information to deposit the check and inserted the check into the ATM and was waiting for the receipt. A message on the ATM said transaction cancelled, the screen went blank and my check was not returned. I logged in again and checked the balance ... and then went into the bank and spoke to a teller who told me to call the fraud line. I spoke to the bank manager told him what happened and asked him to expedite the matter. 

After numerous phone calls to the fraud line the {$5000.00} was deposited into my checking account on XX/XX/XXXX. Friday, XX/XX/XXXX I received a letter from First Citizens Bank stating that they were unable to verify my claim and would be reversing the {$5000.00} on XX/XX/XXXX. I called the Customer Service number and was told that they denied the claim and that XXXX had confirmed that there was no check found! 

No check was found! How could that possibly be? No check at all. 

So, where am I now... I will have a large negative balance in my checking account and my Pension and Social Security benefits will be consumed by this negative balance. I obviously trusted First Citizens Bank to handle this matter appropriately and yet no check was found. How could that possibly be? Is there something wrong with the ATM machine or human error? My only income is the pension and Social Security and this could drag on for months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX MD XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] XXXX XXXX XXXX XXXX [ Collection Agency Address ] [ City, State, ZIP Code ] Subject : Debt Validation Request for Account # [ Account Number ] Dear XXXX XXXX XXXX XXXX, I recently reviewed my credit report and noticed that your company has reported a collection account under my name ( Account # [ Your Account Number ] ). I am formally requesting validation of this debt per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with the following information : 1. Proof that I owe this debt, including a signed agreement or contract with the original creditor.

2. A full payment history, including details of how the amount of {$330.00} was calculated.

3. Documentation showing that your agency has the legal authority to collect this debt.

4. The name and address of the original creditor. 

If you are unable to validate the debt within 30 days, I request that you remove this account from my credit report and cease further collection attempts. Additionally, as this is a formal dispute, I request that any future communication be in writing. 

Please respond within the legally required timeframe. If this debt is proven to be valid, I am open to discussing potential resolutions. However, until proper validation is provided, I do not acknowledge ownership of this debt. 

Thank you for your prompt attention to this matter. 

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 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Complaint Against Capital One Bank Unauthorized Account XXXXeeze & Withheld Funds Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Capital One Bank regarding the unauthorized freezing of my 360 Savings and Checking accounts in XX/XX/year> without any prior notice or explanation. At the time, I had over {$11000.00} in my savings account, and Capital One refused to provide any reason for the freeze. 

Despite multiple attempts to resolve the matter, Capital One restricted my access to my funds and only returned my money in small, inconsistent increments ( e.g., {$250.00} or {$300.00} at a time ), rather than allowing me to withdraw the full balance. This caused significant financial hardship and emotional distress. To this day, I have not recovered all of my funds. 

I originally opened my 360 Savings and Checking accounts with Capital One in XXXX, left the bank, and then returned as a customer in summer 2022. The way Capital One handled my accounts was unethical and illegal, as they failed to provide transparency, denied me access to my own funds, and ultimately closed my account without justification. 

I am seeking a settlement for damages caused by Capital Ones wrongful actions, including the unauthorized freezing of my account, financial losses, and the emotional distress caused by their misconduct. I request CFPBs assistance in holding Capital One accountable and ensuring I receive the compensation I am owed. 

Please advise on the next steps regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am submitting a formal complaint against Capital One regarding deceptive and misleading practices concerning its 360 Savings Account, marketed as a " high-yield interest '' savings account. Capital One misrepresented the account by advertising it as offering one of the nations highest interest rates while failing to disclose the existence of the 360 Performance Savings Account, which provided a superior interest rate. The omission of material information and lack of transparency constitute unfair and deceptive acts and practices in violation of the Consumer Financial Protection Act ( CFPA ) and the Truth in Savings Act ( TISA ).

Capital Ones failure to notify account holders of more favorable alternatives within its own product offerings resulted in financial harm and a breach of its duty of good faith and fair dealing. I seek appropriate remedies, including redress for the financial losses incurred due to these misleading practices and Capital Ones failure to uphold its advertised commitments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The credit age has been stating the longest credit account is XXXXXXXX XXXX XXXX When my XXXX credit account has been stating XXXX XXXX XXXX Ive asked for it to be changed years ago and it still shows the longest age of my credits, is XXXXXXXX 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 2025-02-01 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:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates 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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2025-02-01 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:
This week a collections popped up on my report with Equifax. This collection ( XXXX XXXX XXXX ) does not belong to me I have no knowledge of this company. They will not provide proof that I have or had a contract with them so they need to delete this off my credit report immediately.

This is breaking Law 15 CFR 1006.34 ( c ) ( 3 ) ( I )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have had this credit card since XXXX. Not once has it been reported to any credit bureau. Talked to Capital One XX/XX/XXXX, they say they report monthly and they have been. But they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
So I have a bank account at SoFi and I have direct deposit and everything and one Dat I got paid and I got a email from sofi saying my account has a restriction and can't tell me any reason as to why this is happening and why they are now trying to close my account I've been calling for them but I get no help or any answers as why this is happening and haven't had access to my money in for weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: MO

Complaint narrative:
Sirs or Madams : My name is XXXX XXXX and I am the victim of fraud ... once by a scammer, the next by US Bank. On Thursday XX/XX/XXXX I discovered my checking account had been hacked by a scammer. I immediately called US Bank to report the fraud. At the time I had XXXX in my account. The account was now a negative XXXX because of the scam. The fraud department was able to trace where the funds went ( XXXX XXXX ) and even told me who this account holder was, someone named XXXX. US Bank was able to get the XXXX XXXX back but still left my account with a negative XXXX. I immediately went to one of your branches here in XXXX  XXXX and spoke to a banker named XXXX XXXX. I explained to her that I was retired and that my Social Security and pension checks were going to be coming through this account. She assured me that once I opened a new account and that the fraud alert was attached to the old account, they would be able to divert my funds to my new account. This did not happen. In fact, US Bank took my XXXX to pay the negative amount in the old account which still left a negative XXXX in this account. I promptly went back to this branch and spoke to XXXX again who basically told me US Bank will not reverse the funds for 10 days. This is unfair. I did not commit this fraud. The fraud came about because of your US Bank app. This was confirmed by your fraud department. I don't understand if you are federally insured why I am being punished and made to pay for fraud when this bank clearly knows where the funds went, to whom the funds went to, and how it was done. I feel helpless and scared and certainly not protected. I have to keep this account open because XXXX won't change the routing of my check for 4 months. My pension takes 45 days for it to redirect my funds into the new account. I feel US Bank could have made sure I was made whole after the information they were able to obtain while I was on the phone with them. This is outrageous and shows the US Bank does not care about its customers. I want my money placed back into my account and when I can safely move away from this bank I will. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Interest earned on trust account through capitol one. Company told me I could not transfer balance in my 360 account to higher interest account because it was a trust account. As a Result I have lost hundreds of dollars in being stuck in a low interest bering account. Now I understand your agency is taking them to court over this issue. How can I joint the suite ? 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-01 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
From XXXX I have been trying to get a copy of my credit report from Experian after discovering from XXXX and XXXX that my identity was stolen. I have spoken with one individual at Experian after waiting on hold for 25 minutes only to be transferred and disconnected. We believe my account has been compromised as the verification code sent to my cell phone are not working. Experian seems to be unable to get me in contact with a human that can help fix the problem. 

Supposedly, I need to speak with a special department at Experian but they will not give me a direct line to this department and the phone tree will not connect me with this department. 

Even Experian 's own representative acknowledged that their IVR system is poor and unusable.

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 2025-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation