vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
filed an ftc report in XXXX of XXXX, had my identity stolen, cleared up all the names addresses and accounts that got associated with my name. i had put a credit freeze with transunion during XXXX of XXXX. In XXXX of XXXX  had 2 inquiries added to my credit report which was not done by me. called transunion to rectify the situation, to no avail. how can this happen with a freeze on my account. they had me file a report and call both creditors send them my information. and their response was that it mustve been me who got the credit, these inquiries have no attachment to my credit profile ( no loans, no credit cards, no service ). just got off the phone again with them told them about what i had just learned with the FCRA. and was told to file a report again. 
the inquiries im disputing are : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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: TX

Complaint narrative:
I am filling a complaint with Cash App ( Block , Inc ) Due to inadequate customer service and unfair practices, which violate the Customer 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 the 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.Thes actions has 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: 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 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 Funds 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 — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital one has misled consumers about interest rates, specifically the 360 savings account. The company is accused of not alerting consumers about a new high-yield account 360 performance savings which resulted in consumers missing out on almost {$2.00} XXXX in interest.

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: TX

Complaint narrative:
Formally concerns is Ive had to come out my pocket XXXX XXXX times to when I know money is in my account Ive called my company to ask where is it that was my rent money. My landlord never got it plus putting a freeze on my account for nothing I was never told how Zelle would handle or dispute

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 — Problem with personal statement of dispute
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Goodleap continues to lie and take responsibility at the same time. I recorded a face to face meeting with home pro solutions and in this legally acceptable recording, they clearly reject and deny what Goodleap continously attempts to project too me through their own responses. Which is blatantly false, filled with lies and misinformation by Goodleap. The recording states that goodleap has provided no such approvals to home pro solutions. In fact in this recording they agreed based on their own personal inspections of my multiple issues the following : they agreed the jobs were not done legally or properly thus not a complete or proper job ( s ) were done. Illegal. Out of code issues. etc. No permits. And damages caused by such. No emails that i have sent for months now have been replied to by goodleap, as well as my documented call logs etc ignored. The only time goodleap has responded too me is through XXXX  or the federal complaint I filed previously, that can be observed through this attached document. Goodleap has continuously lost in court in regards to this goodleap and titan contract they approved and accepted. Their denial of any responsibilities and at the same time in these response complaints they also allegedly take responsibility by allegedly making efforts. However in filing responses too my fed complaints they signed off on not lying and being truthful. Clearly they lied about home pro solutions and fixing the multitudes of issues I'm being forced to pay for that were not completed or ev

en done legally.. As can be annotated by the attached letter from goodleap and my recording of home pro solutions showing home pro solutions the letter goodleap wrote previously to my federal complaints.

I can upload the face to face recording if requested.

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: FL

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. 
The accounts i have reported as inaccurate are attached as documents.

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: IA

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: IN

Complaint narrative:
Im filing a complaint for to inadequate customer service and unfair practices which violate consumer financial protection. Specifically cash app failed to take timely and effective measures to prevent and after fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution was unfair and defective as they did not comply with errors resolution requirements under the electronic fund transfer act and regulations E these actions had caused significant inconvenience and financial loss

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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My identity was stolen and used to acquire a XXXX XXXX XXXX with a Chase auto finance loan from dealership XXXX XXXX XXXXXXXX XXXX  XXXX on XX/XX/XXXX. I was made aware of this only because I went to apply for a home loan in XX/XX/XXXX and was denied. I asked why was I denied and I was informed that it was due to the fact that I had a delinquent auto loan on my credit report. After pulling my credit report from the three major credit reporting agencies I saw that someone had in fact used my identity to acquire an auto mobile and had defaulted on the loan to the amount of {$17000.00}. I immediately file a police report with the XXXX Police Department report # XXXX and an identity theft report with the Federal Trade Commissions ( FTC ) report # XXXX. I then made attempts to reach out to Chase fraud department in which case I spoke to a fraud agent name XXXX agent # XXXX. XXXX XXXX informed me that chase auto fraud department would send out a Forgery Affidavit Questionnaire which I am to fill out to the best of my knowledge and return to them with a copy of my police report. I filled out and signed via public notary the forgery affidavit which I mail certified USPS mail # XXXX on XX/XX/XXXX. To my surprise I receive responding communication from Chase on XX/XX/XXXX that they receive my packet but that I now needed to provide more information if they are to investigate the account in question. I am filing this report so that I can have a third party oversight of the CFPB as it seems as though Chase Fraud department in reluctant to assist me in this grievant matter. I have included the same report that was file with the XXXX police department and chase claims it is not sufficient I have also return the Forgery Affidavit as asked and Chase has stated that they have not received it. Furthermore as per the Fair Credit Reporting Act ( FCRA ) Chase has neglected to inform and remove the fraudulent account from my Credit Reports until actual a proper investigation is completed with proof of the accounts validity. I am have again mail out another packet with a sign copy of the Forgery Affidavit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the request of Chase Fraud Department . But as expressed earlier I am fearful that this matter will get ignored by Chase so I am including the same sign Forgery Affidavit as an attachment in this report so this way chase can not claim that I failed to send it to them. I look forward to having this matter handled swiftly and thoroughly.

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 App failed to take timely and effective measures to prevent 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:
my employer paid me on Wednesday XXXX XXXX capital one bank has not released my funds they are saying they have a system glitch and cant give me a timeframe when i will receive my 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:
On XX/XX/XXXX I was supposed to receive my direct deposit from my employer. As of XXXX XXXX it is still not in there. Capital one blames an act vendor but will not rectify the problem. They are intentionally withholding my money with no accountability or actions taken against them. They do have access to see the deposit, as well as a h withdrawals to other companies for bills but refuse to advance the money to my account and solely waiting on a vendor to correct. That is not of my concern. Capital once deducted my earnings from my employer, the employer satisfied the act transaction, and now capital one is withholding my money due to an apparent vendor issue causing severe emotional distress on my end aside from the miriade of other issues, late fees for bills, charge back fees because payments were made to said bills and never received the money, etc. this is affecting way more than XXXX customers and no one is doing anything about it.

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 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 inter 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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of my personal information by Experian. Specifically, my credit report lists 10 names, the majority of which are incorrect. This error persists despite my submission of a dispute in XX/XX/year> to validate my correct name and address with all major Consumer Reporting Agencies ( Experian, XXXX, and XXXX ). 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], consumer reporting agencies and data furnishers have an obligation to maintain maximum possible accuracy in the reporting of consumer information. Specifically, Section 623 of the FCRA ( 15 U.S.C. 1681s-2 ) requires information furnishers to ensure that only accurate and complete information is provided to credit reporting agencies. Experian has failed to comply with these requirements by continuing to report incorrect personal information on my credit file. 

Additionally, the presence of these inaccuracies is a violation of my rights under the Truth in Lending Act ( TILA ) [ 15 U.S. Code 1601 ], Equal Credit Opportunity Act ( ECOA ) [ 15 U.S. Code 1691 ], and Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S. Code 1692 ]. These laws collectively ensure that consumers are provided fair and accurate information in financial transactions. The incorrect names on my credit report could unfairly impact my creditworthiness and ability to access financial opportunities. 

It is also critical to note that my information was involved in the XXXX XXXX XXXX, which compromised the integrity and security of my personal data. Given this breach, it is imperative that all data associated with my profile is correct to prevent identity theft or additional compromise. 

Furthermore, I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter to document the ongoing inaccuracies and their potential impact on my financial standing.

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: LA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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: CA

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

Furthermore, their dispute resolution process? was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate 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: FL

Complaint narrative:
I normally get paid on Wednesday nights. When I didnt get paid Wednesday night I called the bank and they tried to tell me my company didnt post payroll. I find out Thursday morning that thousands of people didnt receive their direct deposits. I called multiple times yesterday and each person told me something different, the last person I talked to told me I was going to get my deposit this morning. It is now XXXX and I havent received anything and when I called they told me they dont know when I will. I can not go on financially this weekend without my money and I need it today!

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: TX

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