vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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:
My direct deposit should have been available in my checking account on XXXX morning, XX/XX/XXXX. I gave the bank an extra day and after seeing the articles online, I called Capital One to inquire. There was a recorded message restating the same message displayed on Capital One 's social media apologies with no timeline or reason. I couldn't even talk to a human.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: The Judgment Group
State: MD

Complaint narrative:
XXXX for someone else account I cant remember the judgment name but its on my credit report over 15 years as well as my credit score as not change since I was 18 years of age Im now almost XXXX this year and still cant buy a house or car because of these on my credit a lot of them address on there I never heard of and also my social security number has been compromised by many companies and I dont know how about going after them

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: MI

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 am filing a complaint with Cfpb regarding Capital Ones 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: 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'm writing to express my concern regarding zelle 's handling of disputes. I've used zelle numerous of times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately. They told me that recovering lost funds was impossible.

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 from address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore their dispute resolution process was unfair and deceptive. As they did not comply with error resolution requirements under the Electronic Fraud 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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Original payday is on XX/XX/year>, XXXX XXXX failed to notify customers of issues in regards to receiving deposits. Millions have no access to their funds and Ive payments to be returned and received late fees in the mist of 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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to dispute a hard inquiry on my credit report that I believe 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 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
XXXX payments that I have no knowledge of and when I address it they said it wasnt nothing they can do

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

Complaint narrative:
I am writing in response to the recent announcement by the U.S. Consumer Financial Protection Bureau ( CFPB ), which revealed that Equifax has been fined {$15.00} XXXX for failing to sufficiently investigate consumer disputes. It has come to my attention that these failures involved disregarding consumer documents, allowing inaccurate information to persist on credit reports, and relying on faulty software that contributed to erroneous credit scores. 

As a consumer, I am deeply concerned about the impact such errors may have had on my credit report and the reports of others. This lack of attention to consumer disputes and oversight in the dispute resolution process is alarming, and it highlights the importance of transparency and accuracy in credit reporting. 

Under the terms of the settlement, I understand that Equifax has agreed to pay {$15.00} XXXX into the CFPBs victim relief fund and to make necessary improvements to its dispute resolution processes. I would appreciate it if you could provide additional information on the steps Equifax is taking to ensure that similar issues do not occur in the future, and how consumers can be assured that their disputes will be resolved accurately and promptly. 

As a concerned consumer, I also request that you provide guidance on how individuals whose credit scores may have been affected by these inaccuracies can take action to have their credit reports properly corrected. 

Thank you for your attention to this matter. I look forward to your response and to seeing Equifax take meaningful steps to rebuild consumer trust and improve its processes.

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: MA

Complaint narrative:
I bank with Capital One and my husbands paycheck is direct deposited into our Capital one checking account. We have fallen victim to the tech issues that Capital one is having and have not received his direct deposit that was supposed to be deposited on XX/XX/XXXX. Typically it is received a day earlier but it is now end of the day on XX/XX/XXXX and we have yet to receive the deposit. Capital one sent an email out late in the evening of XX/XX/XXXX indicating problem would be rectified by the morning of XX/XX/XXXX and we still have yet to receive the direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NV

Complaint narrative:
Money kept being taken out of my account without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
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 XXXX financial loss, and I seek appropriate redress for these violations. 
XXXX

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: NV

Complaint narrative:
I discovered several unauthorized and inaccurate derogatory marks on my Equifax credit report. These accounts were placed in collections without my knowledge or consent, and I dispute their validity. Despite taking steps to resolve this, the issues remain unresolved, and my creditworthiness continues to be negatively impacted. 

Below are the details of the disputed accounts : Original Creditor : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$2000.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Original Creditor : XXXX XXXX BXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$950.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$160.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX High Balance : {$250.00} Pay Status : XXXX Estimated Removal Date : XX/XX/XXXX On [ insert date ], I submitted a dispute to Equifax regarding these accounts , but no satisfactory resolution was provided. Equifax failed to verify the accuracy or validity of these debts, which I believe violates the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S.C. 1681i ( a ) : Equifax is required to conduct a reasonable investigation when disputes are submitted.

15 U.S.C. 1681e ( b ) : Equifax is required to ensure maximum accuracy of the information they report. 
These accounts do not belong to me and are causing significant harm, including lowered credit scores and financial hardship. I am requesting that these accounts be investigated, verified, and, if found inaccurate, permanently removed from my credit report.

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 about Zelle 's handling of disputes, particularly in light of 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 lost 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 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: MI

Complaint narrative:
I am filing a complaint against cash app ( Block, Ink ) due to inadequate customer service and unfair practices. Which violate the customer service financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despite resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations 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:
Capital One has not deposited my payroll check from both of my jobs. Wait times are long, and if you get someone on the phone ( that's if the call isn't disconnected ), no info is available. We rcvd an email last night ( Thurs evening ) regarding the issue when the issues started on Weds. No update has been giving to any of us. It's now Friday after XXXX.

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: FL

Complaint narrative:
this is a complaint against navy federal credit union regarding multiple overdraft fees I have incurred, despite having funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits, this issue aligns with the recent findings against NFCU for similar breeches of duty and practices, where transactions settled with insufficient balances despite initially available funds, I believe an investigation into my now closed account transactions will show these multiple offenses, these practices are unfair and I request an investigation into my account transactions

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Money was sent to the right number but it went to the wrong person. It was a Zelle transaction Im not sure if it was {$100.00} or {$1000.00}. But they told me it was nothing they can do 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: AL

Complaint narrative:
I am filing a complaint against cash app listen ( Block , inc ) due to inappropriate customer service and unfair practices, which violates the customer financial protection protection act ( CFPA ). Specifically, cash app failed to take 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 errors resolution requirements under the Electronic Fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and significant inconvenience and financial loss and I seek appropriate redress

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

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my {$530.00} on XXXX 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Toyota has erroneously reported my car loan as delinquent on XX/XX/XXXX, impacting my credit score by almost XXXX points when I am trying to buy a home and apply for loans. 

I sold the title and car to XXXX on XX/XX/year>, the check was issued to Toyota Financial Services on XX/XX/year> and cleared on XX/XX/year>, however my account was still reported delinquent on XX/XX/year>. 

Due to XXXX 's negligence of not resolving this sooner when I first reached out to their LAX location on XX/XX/year>, I will be taking legal action against both companies, XXXX and Toyota. In the future, instead of telling people to wait for up to 45 days XXXX should have taken immediate action and not disregard a serious complaint. 

It is now showing I was delinquent for {$28000.00} which has never happened in my life on my credit report. Please connect me with your legal team to help resolve this matter.

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 for this violation.

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

Complaint narrative:
I requested the account be investigated for inaccuracies being reported on my report. I am in disagreement with the account listed below which still appears on my credit report after your investigation. This account was charged off on the following month XXXX of XXXX, since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statue of limitations Not to mention the inaccuracy information being reported across the 3 reporting buraus. You failed to investigate this account properly and your neglect has violated my rights. I am demanding the deletion of this account. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
CapitalOne is using a third party company to process and run money through for deposits and XXXX  XX/XX/XXXX they experienced and issue with this vendor that has no authorization to myself for using my account that caused my direct deposit for XX/XX/year> to still not be deposited at XXXX XXXX. Long call times with zero resolution. No updates since XX/XX/year> for resolution time

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: LA

Complaint narrative:
My husband, XXXX XXXX ( verified user on my account ) usually gets his check deposited to my account on every XXXX  XXXX XXXX. It is now XXXX on XX/XX/year> and Capital One has failed to deposit my husbands ' settlement/direct deposit from his employer. Capital One has expressed technical issues with a third party vendor, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about the consumer protection laws, and I request your assistance in investigating this matter to ensure our rights are upheld. Thank you for your attention in this matter.

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: MN

Complaint narrative:
I am writing formally to express my concerns regarding Zelles 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 lost funds were impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect 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