vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 EXXXX 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: MD

Complaint narrative:
Capital One Bank has not deposited my direct deposit. The company has not reached out with any information about the problem or when it will be resolved. But they are declining payments for insufficient funds despite not releasing my direct deposit to my checking account.

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: MS

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: NY

Complaint narrative:
I was supposed to receive a direct deposit via my checking and savings account. There has been some technical difficulties with Capital One dispensing direct deposits. I spoke with a representative yesterday that said the funds should be available next day at XXXX. It is now the next day and still no direct deposits nor communication from Capital One.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bankruptcy reported on my report is inaccurate and should be removed. As it has been cleared. 

XXXX XXXX  should not be on my report as it was part of my bankruptcy. It is illegally on my report XXXX XXXX was part of my bankruptcy and should be removed from my file. 

XXXX XXXX is beyond 7 years and was a part of my bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The bankruptcy reported on my report is inaccurate and should be removed. As it has been cleared. 

XXXX XXXX should not be on my report as it was part of my bankruptcy. It is illegally on my report XXXX XXXX was part of my bankruptcy and should be removed from my file. 

XXXX XXXX is beyond 7 years and was a part of my bankruptcy.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
My cash app account was always mysteriously charged for hundreds of dollars. Even if I lock my my virtual card, money still would be taking out without my permission. Dates ranging from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retail Merchants Associates
State: LA

Complaint narrative:
My son was XXXX. The hospital messed up my XXXX XXXX XXXX XXXX XXXX. I wasn't paying the hospital until both of the bills were fixed. I asked the hospital for the codes and talked to their head billing person, XXXX. XXXX  the error was fixed, I immediately paid it off TO THE HOSPITAL. I told collections this from the very beginning. The hospital should have never sent it to collections. It didn't matter whatsoever. My credit has tanked over XXXX bills I already paid. They're disorganized. I've received XXXX separate letters from them stating they're " requesting the information. '' I NEED someone to step in and MAKE THEM do their job. I've spent so much time and nothing is helping. It's intentional at this point.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.

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 — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

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 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 processt 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: PA

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 the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices l, which violated the Consumer 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 dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTC ) & Regulation E. These 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: Fraud or scam — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
I made a purchase of traditional gold set from a certified seller through Arizona state. I payment was completed via Zelle for {$9900.00}. Once I didnt receive the gold I contacted both chase and XXXX XXXX XXXXXXXX and they informed me they cant do anything. I contacted XXXX XXXX XXXXXXXX and informed them there account was being used to commit fraud and scam and provided the information of the seller and they refused to provide any information to me. Or shut the account down. Other people were scam by this vendor as well. I also file a complaint with the Arizona police department. I paid from my XXXX  account to the vendors XXXX XXXX XXXXXXXX account. The payment was sent between XXXX XXXX to XXXX 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: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One says having technical issues with one of his third party vendors and since XXXX XX/XX/XXXX we cant access the business checking or business savings anywhere to manage, transfer, do payments nor deposits. Their own bank tellers cant even do that as their system is down for 3 whole days so far. We have business commitments to pay and we are delayed because of this.

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:
Capital One Banking Direct Deposit Missing On Thursday XX/XX/year> I got paid and should have received my paycheck through direct deposit through my checking account in Capital One. It is XXXX on Friday XX/XX/year> and I still have not received my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On Thursday XXXXXXXX XXXX  I logged into my Sofi account and it said account temporarily restricted also by email from a No-reply email address that the email address is No-reply@o.sofi.org I contacted Sofi to see what and why Sofi had put a temporary restriction on my Sofi checking account & saving account that means that I can't pay any of my bills like rent tv & internet bill my cell phone bill and my XXXX XXXX XXXX annual pass to XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX when I called Sofi yesterday on Thursday XX/XX/XXXX XXXX and again at XXXX and again at XXXX they told that they expedite the case. Also Sofi told me that i can not take any of money out my checking account or my savings account at the moment I really do not Sofi to close my checking & savings account because My XXXX & my XXXX payments go into my checking account for me to use that money to live off of right

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX SSN # XXXX XXXX XXXX XX/XX/year> Tek-Collect Incorporated XXXX XXXX XXXX XXXX XXXX OH XXXX Subject : Cease and Desist Demand Regarding Debt Collection To Whom It May Concern, I am writing to formally request that you cease and desist all communication and collection activities regarding the alleged debt associated with my account acct # XXXX. 

This letter serves as a formal request for validation of the debt as mandated by the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. I request that you provide me with the following information : 1. The amount of the alleged debt.

2. The name of the original creditor.

3. A detailed statement of the account, including any fees or charges. 
4. Verification that you are authorized to collect on this debt.

Furthermore, pursuant to 15 U.S.C. 1692c, I request that you cease all communication with me at my workplace and any other inconvenient times or locations. Any further contact regarding this matter should be conducted in writing only.

Please consider this letter a formal demand that you stop all collection activities until you have provided the requested validation of the debt. If you do not comply with this request, I will consider taking appropriate legal action against your agency for violations of the FDCPA. 

I expect to receive your written response within 30 days from the date of this letter. 

Thank you for your immediate attention to this matter. I look forward to resolving this issue amicably. 

Sincerely,

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: 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:
Experian continues to report XXXX XXXXXXXX XXXX XXXXXXXX XXXX accounts that were paid insurers ot do not belong to me. I have disputed and Experian will not allow dispute denying my federal right. 
I initiated three disputes for which EXPERIAN DID SHAM INVESTIGATIONS OR REFUSED TO PROCEED ON XX/XX/XXXXXXXX XXXX XXXX 
Re : XXXX XXXX Account XXXX, XXXX, XXXX the original creditor is XXXX XXXXXXXX XXXX who was paid in full by XXXX XXXX XXXX XXXX XXXX. 
Further on XX/XX/XXXX the Biden administration in joint effort with CFPB announced final rule to remove inclusion of medical debt reporting which EXPERIAN hasn't been proactive in protecting consumers. 
XXXX XXXX XXXX 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 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:
Experian continues to report XXXX XXXXXXXX XXXX XXXXXXXX XXXX accounts that were paid insurers ot do not belong to me. I have disputed and Experian will not allow dispute denying my federal right. 
I initiated three disputes for which EXPERIAN DID SHAM INVESTIGATIONS OR REFUSED TO PROCEED ON XX/XX/XXXXXXXX XXXX XXXX 
Re : XXXX XXXX Account XXXX, XXXX, XXXX the original creditor is XXXX XXXX XXXXXXXX who was paid in full by XXXX XXXX XXXX XXXX XXXX. 
Further on XX/XX/XXXXXXXX XXXX  the Biden administration in joint effort with CFPB announced final rule to remove inclusion of medical debt reporting which EXPERIAN hasn't been proactive in protecting consumers. 
XXXX XXXX XXXX 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 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 the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These 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 service 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 violate the consumer financial protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in 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 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filling a complaint against Cash App ( Block, inc. ) due to multiple counts of inadequate customer service and below the belt practices illegally. Illegal acts that violate the Consumer Financial Protection Act ( CFPA ). To add to the injury, Cash App completely ignored the safety of their loyal dedicated customers by failing to take timely and effective actions to prevent and address ( the already addressed inactive customer service line ) fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was sly, underhanded, and deceptive, as they did not comply with error resolution procedures and requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant financial losses and inconveniences. To close Im demanding appropriate redress and financial compensation for these losses

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app They charge {$1.00} if someone send you money, and you you load money into your account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
recently discovered multiple entries from debt collectors on my credit report. I have no knowledge or involvement with these debt collectors, nor have I ever signed any agreements or incurred any debts with them. These entries include over 15 debt collectors, all of whom have listed incorrect or fraudulent information. I was not informed of any of these debts, and my personal information, including what seems to be my home address and other private details, was used without my consent. I was not aware of these entries until I checked my credit report. I immediately attempted to reach out to the credit reporting agency to rectify the situation, but I have not received a resolution or any satisfactory response.

Additionally, I am requesting compensation for the damages caused to my credit score and the distress caused by these unauthorized actions. These violations have led to a significant amount of stress, as I was unaware of any of these debts and never consented to their reporting. My personal and private information was leaked, and I believe that this is a violation of both state and federal laws. I expect a prompt resolution and appropriate compensation for these violations.

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