vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
I BOUGHT XXXX GIFT CARDS FOR THE AMOUNT OF {$200.00} ON EACH GIFT CARD AT THE XXXX XXXX STORE BUT WHEN TRYING TO USE THE CARDS I CAN'T USE THEM IT SEEMS THEY ARE BLOCKED I WENT TO THE XXXX XXXX STORE THEY TOLD ME TO SPEAK TO GOOGLE PLAY BECAUSE THE SALE WAS SUCCESSFUL AND DOES NOT HAVE A REFUND, I HAVE PROOF OF THE RECEIPTS OF THE PURCHASE OF THE XXXX GOOGLE PAY GIFT CARDS

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: MD

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of XXXX XXXX, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX XXXX : XXXX XXXX  XXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : XXXX U.S.C. XXXX Section 602 ( a ) This ensures my right to privacy and accurate reporting. XXXX U.S.C. XXXX Section 604 ( a ) ( 2 ) Consumer reporting agencies can not furnish accounts without my explicit consent. To support my dispute, I have attached the following documents : A personal statement detailing my XXXX  situation. Additional records, where applicable, to verify my identity and substantiate my claim. I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. Thank you for your prompt attention to this matter.

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: KY

Complaint narrative:
I normally get my deposit on Thursday morning and didn't realize it wasn't there until Thursday evening when I tried to pay my Internet bill. I called cap one bank and asked what was the problem. She said a technical issue with a third party vendor but it would be resolved no later than Friday morning. I called again at XXXX am Friday morning because still nothing had been done and was waiting for over XXXX minutes and nobody would pick up the phone. It's now XXXX pm and still nothing. I have bills that are now past due that I will owe XXXX fees on, and my Internet will probably be shut off. Not to mention, I am a single mother and live check to check. I need to feed my kids too. I don't understand why this is happening, but will be changing my direct deposit today to a different company. If it's not fixed before XXXXpm today, then it will be at least Tuesday..TUESDAY before anything else happens. How is that reasonable??

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

Complaint narrative:
l'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, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.

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

Complaint narrative:
I am filing a compliant with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer. Capital one sites technical issues which may violate the Electronic Funds Transfer Act 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 insure my rights are upheld. Thank you.

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

Complaint narrative:
Apparently capitol one 's website and app is having technical difficulties which has delayed my direct deposit and I have bill on auto draft and now may geXXXX XXXX Fees. I need to know when this will be resolved asap. These bills won't wait!

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: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer support services and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures, to prevent fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute and resolution 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 financial loss, significant inconvenience, And I seek appropriate redress for these violations. 

Dates of Use : XXXX. Amount : over {$5000.00}

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: WA

Complaint narrative:
Valued customer, Starting XXXX XXXX XXXX XXXX XXXX began experiencing a disruption impacting the processing of some deposits, payments and transfers, which is due to a technical issue with one of our service providers. 

Specifically, this has delayed processing of some transactions including direct deposits and XXXX XXXX credit for direct deposits, as well as electronic payments and transfers ( ACH ). 

Were working closely with our provider to resolve this issue and restore processing as quickly as possible. We expect services to gradually begin to return to normal throughout today and the majority of issues to be resolved by Friday morning. 

Once the systems are restored, we will process all deposits and other transactions that have been delayed. 


Its XX/XX/XXXX and still not resolved

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: MD

Complaint narrative:
Havent received my direct deposit yet and I was supposed to get it Wednesday. They said its a tech issue and havent given us any answers since then.

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: 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 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: 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: T.S. Holdings
State: TX

Complaint narrative:
I filed a dispute on IQ DATA INTERNATIONAL due to potential identity theft and having no knowledge of this location.XXXX denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company, XXXX. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! XXXX has not attempted to remove, nor correct any information. Im requesting this derogatory remark to be removed immediately as its affecting my chances to purchasing a home. XXXX violates my rights as a consumer, as well as federal laws.

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: KS

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

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: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I bank with Capital One Checking. I was to receive my direct deposit yesterday XX/XX/year>, and did not. The mobile app was asking for a security code to log in, and when I did it stated they were having technical issues. When I called I was told the same thing but nothing more on when it would be fixed. They just repeat themselves. She told me to continue checking my account through the day. So I did and then got locked out because I exceeded the amount of times to get a code. Called back and that's when I was told it would be fixed my morning. Checked my account this morning XX/XX/year> and I could login like normal with out a code but no money in my account or my son 's account. I have now been on hold for an hour and XXXX minutes and have not spoken with anyone on a update. This is unacceptable!! Some people are single incomes and live paycheck to paycheck. I have bills to pay. One being my car payment which is through Capital One, so what am I supposed to? and then take a credit hit? I have a XXXX XXXX  and need to go get her some stuff along with dog food and groceries. With what? the XXXX in my account? This is not ok on any level. And I am still on hold now an hour and half!!

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: EQUIFAX, INC.
State: GA

Complaint narrative:
please check the information concerning the equifax data breach below in attachments

Company response to consumer: Closed with non-monetary relief
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: TX

Complaint narrative:
Capital One has a outage that is causing problems with people not getting their direct deposits. I normally get paid early on Wednesday or Thursday. When I was on hold with Capital One for XXXX hours I finally got someone on the phone and he said he has no information on when the problem is going to be resolved.

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: IL

Complaint narrative:
All transactions that was processed by cash app without consent and refunds from overwhelming purchases I was denied because of their lack of security I want all my funds returned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
When I was using cash app and Cash app allow multiple companies take money from out of my account and every time I try to dispute it or try to talk to someone I didnt get no help so I continue to dispute it as many time as I can, and so cash app just closed out my account The company took like XXXX and something for me, but I was never able to get it back

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: NC

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

Furthermore, their dispute resolution pro was unfair and deceptive, as they did no comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences, a 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: NC

Complaint narrative:
I am filing a complaint against CashApp ( 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: 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: HI

Complaint narrative:
I don't want to receive any updates from TransUnion either by letter or email regarding my XXXX  XXXX  experience. I am requesting a cease of communications through email and letters from the said Bureau.

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: SC

Complaint narrative:
All monies that have been reported to be refunded or returned.

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: DE

Complaint narrative:
I am filling a complaint with the CFPB regard Capital One 's failure to 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am filing a complaint with the CFPB regarding to capital one failure to deposit my direct deposit from my employer and any other incoming deposit. 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to conduct a reasonable investigation into disputes regarding inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Despite submitting detailed dispute documentation to correct inaccurate information, Equifax consistently responds within 24 hours claiming the disputed account is accurate without providing any documentation or evidence of a proper investigation. This practice raises serious concerns about whether Equifax is fulfilling its legal obligation to investigate consumer disputes thoroughly and accurately.

Under the FCRA, Equifax is required to conduct a reasonable reinvestigation and correct or delete inaccurate, incomplete, or unverifiable information. Additionally, Equifaxs failure to provide proper investigation procedures may violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). I reference the Consumer Financial Protection Bureaus ( CFPB ) recent administrative proceeding against Equifax ( File No. 2025-CFPB-0002 ) for similar noncompliance issues.

I am requesting that the CFPB take immediate action to ensure Equifax complies with federal law by conducting proper investigations, correcting inaccurate information, and providing transparent evidence of their findings.

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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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