vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX  I did not receive my direct deposit. Capital one could not tell me why their system was down. They stated it would be fixed by XXXXXXXX XXXX. It is now XXXX XXXX the next day, no word, no update, no fix, still no money. I have to get groceries to feed my family, my truck needs gas, and most importantly I have multiple bills coming up due. With it not being fixed, and a holiday Monday, it will be Tuesday at the earliest when I see my money. Thats 5 days late on depositing my money. Yet capital one can still request money for credit payments and not give me mine. Arh and direct deposit has been around since the XXXX. This is unacceptable.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your help to review accounts from companies incorrectly reporting late payments. After being laid off, I asked them to forgive these payments, and they agreed, but they are still marking them as late. I have reached out to them with no response, so Im turning to you as my final option.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian, I am writing to formally dispute the inaccurate personal information that continues to appear on my consumer report, despite multiple prior disputes. This is my 3rd attempt to have this matter resolved. 

Enclosed with this letter, I have included a copy of my government ID for your reference. Only the name listed on my government ID should appear on my consumer report. I demand that all other inaccurate or outdated names and personal information be permanently removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure the maximum possible accuracy of the information you report ( 15 U.S.C. 1681e ( b ) ). By continuing to report inaccurate personal information despite my repeated disputes, you are in violation of federal law. Specifically : Failure to Correct Inaccurate Information ( 15 U.S.C. 1681i ) : You are required to conduct a reasonable investigation into disputes and correct or delete any information found to be inaccurate. 
Negligence in Maintaining Accurate Records : This ongoing issue demonstrates a failure to comply with your obligations to maintain accurate records, causing unnecessary harm and inconvenience. 
Your failure to comply with the FCRA exposes you to liability, including potential statutory damages of up to {$1000.00} per violation, as well as punitive damages, court costs, and attorneys fees if this matter escalates to legal action. 

I request that you take the following actions : Immediately delete any inaccurate personal information from my consumer report. 
Provide me with a revised copy of my consumer report to confirm that all inaccurate information has been removed. 
Confirm in writing that the dispute has been resolved. 
Please consider this letter my final attempt to resolve this matter amicably. If this issue persists, I will have no choice but to explore my legal rights under the FCRA to ensure compliance and seek appropriate remedies. 

I look forward to your prompt resolution of this issue. Please respond within the required 30-day period, as stipulated by the FCRA.

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 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: AZ

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 : address fraud on their platform, leaving m, 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: AZ

Complaint narrative:
I am filing a complaint regarding Capital Ones failure to deposit my direct deposit from my employer and any other 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: 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 customer 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 has caused significant Inconvenient 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: CO

Complaint narrative:
Capital One bank has not deposited my direct deposit from my job causing late payments for my credit cards. The hold time when calling is currently at 2 hours.

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:
It's all over the news, but I haven't received my quarterly bonus check or my regular paycheck. Total amount is around {$3000.00}. 

I have a bill due on the XXXX, no gas in my car, barely any groceries. I can't get to my work office. 

This began occurring on XX/XX/year> according to Capital One, but I usually receive my early deposit around XXXX on Wednesday ( weekly paycheck ).

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 — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I reached out to the company once I checked my credit report and saw that this was in collections. I rarely ever need a credit check so I hadn't looked in awhile. I called the company on XXXX XXXX and asked them to send me Verification of some kind showing me that this debt belongs to me, it is now XXXX XXXX and I never received anything. ( No mail, emails, or calls ) I was told they needed to send me a breakdown of payments, what interest was added since this has been active and a contract with my signature saying this is mine. This collections account is the only mark on my credit history and this has never been an issue before. just looking to get this handled.

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: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing formally express my concerns regarding Zelles handling of disputes, particularly in a light of the recent CFPB lawsuit highlighting significant issues with platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack 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: VA

Complaint narrative:
I would like a full investigation in what is taking place with my funds. I want access to my funds immediately and any fees added due to this matter. I would like the CFPB to also provide their investigation and any fines that capital one would responsible for.

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: CT

Complaint narrative:
I 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 24 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, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) 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. 
These are the accounts that I have marked as inaccurate. 
XXXX XXXXXXXX and the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX XXXX Email : XXXX Phone : ( XXXX ) XXXX Cash App Profile Hashtag : $ XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Unauthorized Transactions on Cash App Request for Refund Dear CFPB, I am writing to file a formal complaint against Block Inc. , the operator of Cash App, due to unauthorized transactions on my Cash App account that I could not resolve due to the platforms inadequate customer service and contact protocols. 

Recently, the CFPB issued an enforcement order against Block Inc. ( Case File : XX/XX/XXXX ) regarding their inadequate consumer protection practices, which include failure to investigate unauthorized transactions and the lack of accessible customer service. I am one of the affected consumers, and I am seeking assistance in recovering funds related to these unauthorized transactions. 

Details of the Issue : XXXX. My Cash App Profile Hashtag : $ XXXX XXXX. Unauthorized Transactions : {$2500.00} sent to XXXX XXXX on [ XX/XX/XXXX ] {$760.00} sent to XXXX XXXX on [ XX/XX/XXXX ] {$240.00} sent to XXXX XXXX on XX/XX/XXXX {$200.00} sent to $ XXXX on [ XX/XX/XXXX ] {$3500.00} sent to $ XXXX on [ XX/XX/XXXX ] {$3500.00} sent to $ XXXX on [ XX/XX/XXXX ] XXXX. Total Unauthorized Amount : {$10000.00} XXXX. I attempted to contact Cash App to dispute these transactions but found that they did not provide an accessible customer service phone number or an adequate resolution process, as outlined in the CFPBs investigation. 

Relevant Orders and Codes : CFPB Settlement Order ( XX/XX/XXXX ) : Block Inc. was ordered to refund affected consumers up to {$120.00} million due to their failure to address fraudulent activity and unauthorized transactions. 
CFPB Code of Conduct : [ Insert relevant section if available ].

Given the seriousness of this matter and Cash Apps failure to protect my funds and resolve the issue, I am requesting the CFPBs intervention to : 1. Ensure Block Inc. investigates and refunds the unauthorized transactions totaling {$10000.00} 2. Hold Block Inc. accountable for their negligence and lack of compliance with financial protection laws. 

Please let me know if you need additional information or supporting documentation to process my complaint. I appreciate your attention to this matter and look forward to your assistance in recovering my funds. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Hey navy federal was charging my account ( oops ) putting me in negative now I believe my account is closed

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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
| 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: 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 ( 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 and16.financial loss, and I seek appropriate redress for the violations listed above.

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

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution was unfair and deceptive, as they did not comply with error resolution requirements under the Electric 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: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. 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: 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: NC

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Accounts TXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX wards XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX 
Despite my submissions, Equifax consistently responds within 24 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. XXXX ) 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 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: NY

Complaint narrative:
In my recent credit report from Experian, I discovered that a bankruptcy record, along with several associated accounts, was inaccurately included. This information is either outdated, unverifiable, or otherwise improperly reported, resulting in severe damage to my credit profile and financial reputation. 
I formally disputed this bankruptcy record with Experian, requesting that they provide verifiable documentation from the original source or the court where the bankruptcy was filed. Despite my dispute, Experian failed to verify this information thoroughly or provide any valid documentation to support its inclusion. The agency also failed to conduct a manual review of the record, relying instead on automated systems, which do not meet the verification standards mandated under the Fair Credit Reporting Act ( FCRA ).

Additionally, the inclusion of this bankruptcy record without my explicit consent violates my privacy rights under 15 U.S.C. 1681a ( d ). It also does not meet the permissible purposes requirement under 15 U.S.C. 1681b ( a ) ( 2 ). As a result, my access to credit has been unfairly restricted, and my financial standing has been compromised due to this erroneous reporting.

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