vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Have called over 8 times and have not received any kind of information. I should have been paid XX/XX/year> and still have no idea why i haven't. I have XXXX kids and a stay at home wife and we literally have nothing to eat or drink. We have no family or friends to borrow from. We seriously have no idea what we are going to do. Most of my bills were promised to be paid 2 days ago and we are terrified about not having water every second of the day. This has the potential to absolutely destroy me for a long time financially. Please... please give me something..

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:
In XX/XX/year>, I contacted the credit bureau to have corrects made to my consumer report concerning my personal information. I asked for the misspelling of my name to be corrected and removed and also to update my address to the current one. After providing proof of name and address, it has not been corrected.

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: MD

Complaint narrative:
On XX/XX/year> I was expecting a scheduled payroll deposit. This would have been an early deposit. It is typically available by XXXX on Wednesday. It was not available. Early deposits are a courtesy, but as of Friday XX/XX/year> I still have not received this deposit. I have reached out to the bank after being placed on a hold for 90+ minutes I was informed they do not know when the deposit will be available only that a technical issue had occurred. This has caused me an extreme financial hardship as I am scheduled to move and can no longer due to this problem. My lease has been cancelled and I have forfeited my deposit with the rental company. This is unacceptable. The company stated the funds would be available by Thursday, then Friday morning and now it is unknown. I can not live like this as I am a single person in this economy living paycheck to paycheck.

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: Early Warning Services, LLC
State: IL

Complaint narrative:
My concerns regarding zelle handling disputes particularly in the light of recent CFPD 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.

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: 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: 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 violates 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 cost significant inconvenience and financial loss and I seek appropriate redress for those 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: TN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which 100 % violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely 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 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: AL

Complaint narrative:
identify you and your account. 
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: 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: PA

Complaint narrative:
I noticed this morning that there are wrong accounts appearing on my credit report, and Im clueless about how they got there. I reviewed my credit report as usual, but this time strange inconsistencies appeared. I attempted to refresh my browser to check if it was a technical error, but nothing changed. Therefore, I kindly request a detailed review of the documents Ive submitted to ensure this doesnt happen again.

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

Complaint narrative:
I am filing a complaint with the CFPB regarding Capital One 's 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 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One received my direct deposit paycheck but refuses to record it in my checking account. The deposit should have been there the morning of XXXX/XXXX/2025 at the latest in the amount of {$1900.00}. I have tried customer service but am given no information at all.

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: PA

Complaint narrative:
I am extremely frustrated to find an unauthorized inquiry on my credit report this morning, and I demand this issue be resolved immediately. I double-checked by refreshing my browser, but the discrepancy remains. Please thoroughly review the documents I sent so I wont have to deal with this stress again.

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: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Zelle hasnt been able to refund me unauthorized Zelle transactions

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:
XX/XX/XXXX - Capital One had a supposed outage No one received notice until XX/XX/XXXX - we were told all would be solved by today ( XX/XX/XXXX ) It is now XXXX and my {$3000.00} deposit still has not been applied while having been released by the payroll processor. 

Sat on hold for 3 hrs with no answers. 

Theyve not communicated with any consumers and have been unable to resolve after 72 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

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 — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I bank with Capital One. My payroll should have been deposited on Wednesday XX/XX/year>. As of XXXX EST on Friday, XX/XX/XXXX, I still do not have access to my funds. 
Capital one just gives the same canned response that they are working on the issues. At the same time, they are denying transactions that are coming through.

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 writing to formally express my concern Regrading Zelles handling of disputes, practically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting the discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering the lost funds was impossible, and the tracking these transaction was unfeasible. The CFPs finding indicates that Zelle has not only neglected to protect consumers, but has also allow repeat offenders to exploit the system, leaving us users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a 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: MD

Complaint narrative:
Capital One said the company was having issues making deposits and processing payments for some consumers, small businesses and commercial banks. It's been two days and they've only provided one update. XXXX XXXX, Capital Ones service provider involved in the outage, on Friday morning. XXXX XXXX said it has restored access to the applications impacted by the power outage. With this being a holiday weekend and them being closed Monday they still have yet to provide an update to customers who can't access their money.

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

Complaint narrative:
Im writing to report concerns regarding Zelle handling of disputes particularly the recent CFPB lawsuit. The CFPB findings indicate that Zelle has not only neglected to protect confidential information.

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

Complaint narrative:
I bank with capital one and I haven't been able to access my funds in 3 days due to their technology issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
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 XXXX XXXX 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 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: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I receive phone calls and voice messages from the credit card company every single day. 
I sent an email to them to stop calling and still call. 
I notified them that I am working with a XXXX XXXX XXXX, with a phone to contact my case worker, but they still call. 
I have tried to block them on my phone and I can't block because it is a toll free number. 

The company that keeps repeating these calls is, Synchrony Bank. 
They are a creditor listed with my XXXX XXXX XXXX and my case worker has tried to contact them several times wit no prevail.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Experian refused to correct the information on my credit report after providing them with the information from XXXX XXXX XXXX. It has been over 2 years and they want correct the information on my credit report after several attempts of disputes. I contacted the company and they said Experian have never requested anything from them.

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: OH

Complaint narrative:
I am filling 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
TODAY I RECEIVED AN ALERT ON MY XXXX REPORT TODAY STATING THAT THERE WAS AN UPDATED ADDRESS ON MY CONSUMER FILE. THE ADDRESS IS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I HAVE NEVER LIVED AT THE ADDRESS NOR DO I CURRENTLY LIVE AT THIS ADDRESS. MY CURRENT ADDRESS IS XXXX XXXX XXXX, XXXX, XXXX XXXX ; MY MAILING ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. THERE IS AN ACCOUNT ASSOCIATED WITH THIS ADDRESS. THAT ACCOUNT IS WITH AFFIRM INC | ACCOUNT. NUMBER XXXX XXXX Date opened XXXX Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/year>. I SPOKE WITH XXXX TODAY AT AFFRIM AND SHE STATED THIS WOULD BE ESCALATED TO THE APPROPRIATE DEPARTMENT. PLEASE REMOVE THIS INFORMATION FROM MY CREDIT FILE EXPEDITOUSLY. I AM THE RIGHTFUL OWNER OF THIS FILE AND THIS INFORMATION IS FRAUDULENT INFORMATION. ENCLOSED : XXXX DRIVERS LICENSE, PROOF OF ADDRESS, FTC REPORT AND AFFIRMATION OF TRUTH

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: 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 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 ( EFTA ) and regulation E. these actions have cause 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I discovered an unauthorized child support delinquency on my Equifax credit report. The account appears under the name " XXXX XXXX XXXX, '' with an account number ending in XXXX, and was reported on XX/XX/XXXX. I have never personally authorized, enrolled in, or consented to any child support program, nor have I provided my Social Security number or personal information for this account. I suspect that this account is either the result of identity theft or an administrative error. 

This fraudulent reporting has caused significant harm to my credit, and I have not been provided any proof of its legitimacy. On XX/XX/XXXX, I initiated a formal dispute with Equifax, requesting an investigation into this unauthorized account. I have yet to receive any resolution, and the account remains on my credit file, impacting my financial standing. 

I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that this fraudulent account be thoroughly investigated and removed from my credit report.

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

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