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: 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: MS

Complaint narrative:
Experienced had failed to fulfill the legal obligations under the Fair Credit Report Act to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcome. These failures aligns with my experiences were Experian had neither corrected nor removed disputed items despite the evidence I provide causing ongoing harm to my credit standing. I am requesting immediate actions to remove or amend the disputed accounts. As Experian inaction violations 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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Well my Zelle just completely stop working and now I cant send money or receive money anymore

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:
I have been a Capital One customer for years and they are late with the deposit of my check and do not give clear explanations. They have made me have many late payments due to the retention of my money and they are not responsible for the damages caused by their late payment.

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: GA

Complaint narrative:
XXXX 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 XXXX 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. 2025-CFPB-0002 ) 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.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.

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: CA

Complaint narrative:
I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX 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 protections 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: 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

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: RI

Complaint narrative:
I am filing a complaint with CFPB regarding capital ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital ine 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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: KS

Complaint narrative:
My wallet got stolen with all my identification, Cash app asked to give all of my info. & Someone was still able to take from my 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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
am filing a formal complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my repeated attempts to resolve the matter directly with Equifax, their customer service team has been unhelpful and has provided no meaningful assistance in investigating the issue. 
I submitted multiple disputes and followed up with Equifax, only to receive responses within XXXX hours stating that the account information was accurate, without any evidence of a thorough or reasonable investigation. This has resulted in a frustrating and poor customer experience, with no clear explanation or proof provided that Equifax took the necessary steps to verify the accuracy of the information in question.

This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct a reasonable investigation when a consumer disputes information on their credit report. Under the FCRA, Equifax is required to reinvestigate disputed items and provide the consumer with the results of this reinvestigation, including the method of investigation and any supporting evidence used.

Furthermore, Equifax 's actions may also be in violation of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). The CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against Equifax for similar violations underscores the need for accountability.

Given my unsuccessful attempts to resolve this issue directly with Equifax and the poor customer service experience I have endured, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure Equifax complies with federal law. This includes requiring Equifax to provide clear proof of their investigation into my disputes and to ensure that such practices are addressed moving forward.

Thank you for your attention to this matter. I look forward to your response and any actions you may take to hold Equifax accountable.

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: NV

Complaint narrative:
I am filing a complaint with a CFPB regarding capital ones failure to deposit from my employer and any other incoming deposits. Capitol One has cited technical difficulties. Which may violate the electronic funds transfer act ( EFTA ) as it requires timely access funds. The situation rises concern about consumer protection laws, and I request your investigating 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: Block, Inc.
State: MO

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 an i 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: 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 of these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Heres a professional draft you can use to communicate your concerns to a lawyer : Subject : Legal Assistance Needed for Unauthorized Transactions, Overdraft Fees, and Financial Hardship Dear [ Lawyers Name ], I am seeking legal guidance regarding unauthorized transactions on my account, repeated overdraft fees, and issues related to account security. Below is a detailed summary of my situation : 1. Unauthorized Transactions and Dispute Denials : I have experienced repeated unauthorized charges on my debit card, including small amounts for games on XXXX that I did not authorize. 
A significant charge of {$210.00} was made on XXXX via my childs device. Despite explaining to my bank that I did not authorize this transaction and never entered my debit card information on my childs XXXX XXXX, my dispute was denied. 
The bank advised me to contact XXXX XXXX, but XXXX also denied my claim, stating the charge was linked to my account because of my monthly XXXX storage subscription. 
These incidents have required me to frequently change my debit card to avoid further unauthorized transactions.

2. Overdraft Fees and Financial Hardship : As a single parent facing financial hardship, I have often struggled with overdraft fees. My account would sometimes become overdrawn due to automatic payments processing twice, unauthorized charges, or the timing of bill payments.

The overdraft fee of {$34.00} per occurrence feels excessive, especially when the bank charges this fee multiple times within a XXXX period. This practice disproportionately impacts individuals already experiencing financial struggles. 
I believe the excessive fees are morally and financially burdensome and feel that banks should take a more reasonable and compassionate approach to addressing overdraft situations. 
XXXX. Account Security Concerns : To safeguard my account, I have had to change my password and username multiple times due to recurring security breaches and issues with biometric authentication. 

I am seeking assistance to understand my rights in these matters and explore potential options for relief or resolution. The combined effect of unauthorized charges, denied claims, and excessive fees has created significant stress and financial strain. 

Please let me know if additional details or documentation are needed to evaluate my case. Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I wanted to take some time to provide a formal explanation of the events that occurred on the evening of XXXX XXXX XXXX and leading into the early hours of XXXX XXXX XXXX  so that the investigator can make an informed decision as to whether or not to uphold my dispute. 

To lead with the primary point : I did not authorize this transaction for {$210.00}. 

On XX/XX/XXXX, I visited The XXXX XXXX and initially gave them my Citi XXXX XXXX XXXX to hold my tab. When closing out the tab, my husband instructed the merchant to charge his XXXX XXXX XXXX card instead. I have confirmed with XXXX XXXX that his card was indeed charged on XX/XX/XXXX for XXXX separate transactions related to this visit : {$47.00} and {$34.00}. I have also provided statements to Citi proving that these charges occurred. 

I have no receipts for any goods or services totaling {$210.00} from The XXXX XXXX. I contacted the merchant to inquire about this charge, and they were unable to locate a credit card slip for this amount. I am very careful about keeping my receipts, and I have XXXX other receipts from The XXXX XXXX from that evening ( XXXX XXXX and XXXX XXXX ). It seems highly unlikely that I would have made a purchase for {$210.00} and not retained the receipt. I assure you that if Citi reaches out to the merchant, there will be no credit card slipped signed by me authorizing this amount. 

Despite countless efforts, Citi refused to credit my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
I received a payment of {$75.00} on PayPal. The person sent it XXXX and XXXX on accident and PayPal suspended my account temporarily. I submitted all the requested information. As soon as I submitted it I received two emails at the exact same time. one say they were reviewing the info and the other say they permanently were suspending my account the email said due to customer complaints but I was told there were no disputes on my account. They refuse to release any money, unfreeze the account, or give a reason it is suspended.

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: Other service problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I have had problems with cash app. They been letting scams happen I emailed them XX/XX/XXXX. I came back after my trip and they didnt send me my full amount of money back. XX/XX/XXXXXXXX XXXX XXXX they have been letting extra company tried take extra funds off my card. I also got a scammed called from them back on XX/XX/XXXX saying my account was blocked and they fail to see who it was trying to get information from me I got scammed from them I tried to do a dispute claim with them to get my funds back and they couldnt help me on 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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's 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 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 consumer safety.

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 husband was supposed to get paid on Friday, XX/XX/XXXX, through direct deposit. Capital One usually deposits the money early on the Thursday of pay-week. We did not receive the deposit on Thursday and read online that many other Capital One accounts were experiencing the same issue. I called customer service and asked when the issue would be fixed. The agent told me they estimated a complete fix by the morning of the XXXX. It is now XXXX on the XXXX and we still have not received our deposit. They said its an issue with a third party vendor but where is our money? My husbands company sent the deposit on Wednesday. Why is our money being held? I understand that technical issues happen, but it should never affect peoples paychecks. We are a XXXX income family with XXXX young children. We count on that money! This has been a massive inconvenience and rendered us unable to properly care for our kids. There needs to be a better explanation and compensation for those affected.

Company response to consumer: Closed with explanation