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: Early Warning Services, LLC
State: IA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes particulary in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial insituiation and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds were impossible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and also allows repeat offenders to exploit the system leaving us vulnerable

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: AZ

Complaint narrative:
Captial One has held on to everyone 's deposits for days. They have a technical issue and people are having late fees add up, unable to pay bills and just general stress and anxiety over not having access to their funds when they should.

Capital One did not send a message to their consumers until a day and half after it started and for a good portion of that time deflected the blame and said nothing was wrong.

They have continued to lie regarding availability of funds and have no ETA.

There should never be more than a days worth of a wait to have access to your funds. It's unacceptable and XXXX should be fined and pay for every single fee we have for late payments, bounced payments, etc. 

The stress and anxiety caused by their lack of communication and broken system is going to get people hurt or killed... unacceptable to be messing with peoples money and making interest on the funds while we sit around and wait for them.

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: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had XXXX cards canned by them They claim they sent a letter asking for XXXX for both. I have not seem such letter. He couldn't tell me it is was by mail or email. When I asked to re-instate it was refused. 

They claimed to have sent letters asking for my XXXX which I have not recieved. I have been paperless for years and they claim I changed that which I absolutely did not as mail is so easy to get lost these days.. Their attitude was " tough luck '' Obviously at this point I don't want to be their customer, however I do want my credit record set straight and my points restored. I have ALWAYS paid my bills on time everycmonth, never ever missed XXXX They have 1 ) ruined my credit a ) by noting they closed the account. b ) by reducing my available credit.

2 ) stolen my points built up.

I would appreciate any assistance you can give in resolving this. Regarding uploading letters I have not received anything to upload unfortunately. 
Note - XXXX cards are involved. XXXX ending XXXX and XXXX ending 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I don't want to receive any updates from the TransUnion either by letter or email regarding my Human Trafficking experience. I am requesting ceast of communications thru 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: 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: OH

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 non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 ange? address frau 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: TN

Complaint narrative:
My paycheck was supposed to be deposited in my account on XXXX, XX/XX/XXXX. I received an email last night saying that there was a technical problem. Now today, XX/XX/XXXX, the money still has not been deposited. They are still taking money out of my account for bills I am paying, but have still not deposited my paycheck. So the money can flow out of my account, just not into 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: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specially, Cash App failed to take timely and effective measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: 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 requiremen
ts under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 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 Transactions Act ( EFTA ) as it requires timely access to my 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There is a collection on my credit report that I have been trying to dispute through EXPERIAN that I have no connection to or any knowledge of. The collection is from XXXXXXXX XXXX  and its a balance of XXXX, again I have no knowledge and would like XXXX removed so I am able to rent an apartment.

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: NY

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

Their dispute resolution process was unfair and deceptive, as they did not comply or error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation A. These actions have caused significant inconvenience and financial loss. I seek immediate action.

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: EQUIFAX, INC.
State: MA

Complaint narrative:
Subject : Dispute of Inaccurate Late Payments To Whom It May Concern, I am writing to formally dispute the inaccurate late payments reported on my credit report. My name is XXXX XXXX and my last XXXX digitals to my social is XXXX. 
The following late payments are incorrectly reported : Creditor Name : XXXX XXXX XXXX XXXX Account XXXX Date ( XXXX ) of Late Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These entries are not accurate and do not reflect my payment history. I have always made my payments on time, and I expect these inaccuracies to be corrected immediately. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information. I demand that you investigate this matter thoroughly and remove these erroneous late payment entries from my credit report. 
I expect a written response detailing the results of your investigation within XXXX  days. Failure to address this issue will compel me to escalate my dispute, including filing a complaint with the Consumer Financial Protection Bureau. 
Thank you for your prompt attention to this matter.

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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease-and-Desist Request to Delete Inaccurate Information from Credit Report XXXX  XXXX To Whom It May Concern : I am writing to formally request the immediate deletion of inaccurate and incomplete information on my credit report XXXX XXXXXXXX, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and related laws. Please note that this letter also serves as notice of XXXX of character caused by the continued reporting of false information. 
The following items on my credit report are inaccurate and must be removed : XXXX. Name ( AKA ) : Remove all aliases or variations of my name that are incorrect. 
XXXX. Inaccurate Addresses : Delete any addresses that do not pertain to me. 
XXXX. Revolving Closed Accounts from XXXX XXXX XXXX ( Account Numbers Ending in XXXX and XXXX ) : These accounts are inaccurate. Please provide XXXX forms for these accounts, as they appear closed. 
XXXX. XXXXXXXX XXXX XXXX ( Account Numbers Ending in XXXX and XXXX ) : These accounts contain inaccuracies and must be deleted immediately. 
Additionally, I am including FTC Report XXXX XXXXXXXX as evidence of a formal complaint made regarding these issues. 
Under 15 U.S. Code 6802, I remind you of your obligation to maintain the confidentiality and accuracy of my personal financial information. Moreover, under 15 U.S. Code 605B, as the victim of potentially fraudulent reporting, I am entitled to the prompt removal of all information resulting from identity theft. 
Please consider this a formal dispute and cease-and-desist request. I demand that you : XXXX. Immediately investigate and delete the erroneous information. 
XXXX. Notify me of the actions taken within XXXX  days, as required by the FCRA. 
XXXX. Cease reporting any false information to third parties, as this constitutes defamation of character and has caused damage to my credit reputation. 
Failure to comply with this request will leave me no choice but to pursue legal action, including filing a lawsuit for damages caused by the negligent and/or willful violation of my rights. 
Please confirm receipt of this letter and your actions within the statutory time frame. You may contact me at ( XXXX ) XXXX or email : XXXX for any additional information you may require. 
Sincerely, XXXX XXXX XXXX XXXX

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

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXXXXXX XXXX  XXXX XXXX  are broken. I like many others have not received our payroll deposits.

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: PA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX XXXX  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. The XXXX XXXX findings indicate that Zelle has not only neglected to protect consumers but has XXXX allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

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

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " XXXX XXXX XXXX  '' savings accounts. Capital One misrepresented the XXXX XXXX XXXX as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX XXXX. 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 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: NJ

Complaint narrative:
I am filing a complaint against cash app ( XXXX XXXX ) Due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( XXXX ). 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 lost, 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: TX

Complaint narrative:
I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 reddress 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 — Fee problem
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
Overdraft fees unnecessarily charging me successful as if I have the money even. XXXXXXXX XXXX  mislead me and never helped me only took unnecessary fees allowing me to go years with less money. Also didnt help me when I complained

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation