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 — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
As of today, my direct deposit is not available. I have received notification from payroll that the money has been sent. Capital one is not making the funds available and is not releasing information as to when the funds will be available.

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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX SECTION XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I updated my name, addresses, employers, & phone number. Yet I still see multiple names. I want to make sure if its my report, it needs to be accurate

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I updated my name, addresses, employers, & phone number. Yet I still see multiple names. I want to make sure if its my report, it needs to be accurate

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: NC

Complaint narrative:
I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and fair 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 requirement 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: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a checking/savings account with capital one. I usually get paid early on Thursdays around XXXXam. I noticed i have not been paid, they sent out emails saying it would have been fixed by thursday XX/XX//25 or the following which is today XX/XX//25. Due to not receiving my deposit i have bills to pay off and since they are now considered late i am getting late fees now. Which is very unacceptable because it not my fault that my bank couldnt inform us earlier about the issue. I spoke to representatives and most of them are all saying different things about the situation

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: MI

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} Charged off XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: MI

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 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 reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
From XXXX, I was a loyal Bank of America customer . While I never missed a statement balance payment and have excellent credit history, my attempts to close my Bank of America account were met with inconsistent customer service, verbal commitments that were left unfulfilled, and misunderstandings that have negatively impacted my credit score. 

At the end of XXXX, I decided to stop using my Bank of America Credit Card. At that time, Auto Payments were suspended. From XX/XX/XXXX thru XX/XX/XXXX, no activity took place. In XX/XX/XXXX, a vendor unexpectedly renewed a prior subscription, resulting in a charge/balance of {$96.00}. A statement balance payment was scheduled pursuant to account settings. 

In XXXX, I contacted Bank of America, requested the card be cancelled, and verbally authorized payment in full of the outstanding balance from my linked bank account. I was provided confirmation that this would take place by the end of XXXX, preserving my XXXX XXXX and closing the account. 

The balance history shows {$0.00} for XX/XX/XXXX, consistent with expectations. 
However, the card was not cancelled. 

In XXXX, the same vendor attempted to renew a subscription, this time for {$97.00}. I contacted Bank of America again to reconfirm the card had been cancelled, and was surprised to learn it had not. I again requested the balance be paid, card be cancelled and account closed. This was again confirmed. 

Yet to my surprise, a balance of {$1.00} remained in XX/XX/XXXX. It is unclear how this transpired, but appears to be a result of interest charges lagging prior confirmed payments. 

XXXX XXXX XXXX  today shows this account as closed XX/XX/XXXX, following XXXX months of late payments ( XXXX and XXXX day delinquency, respectively ) for amounts of {$96.00} and {$1.00}. 

As a former cardholder and loyal customer, who has consistently paid statement balances and loans in full, on time, for over XXXX years with otherwise excellent credit, I can not accept that my Credit Score until the year XXXX will be significantly impacted by XXXX and XXXX  day 'past due ' incidents when the Bank provided verbal confirmation that the account would be closed as of XX/XX/XXXX.

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

Complaint narrative:
I was under the influence I was recieving my check of {$1000.00} on Thursday XX/XX/year>. When I go to check my Capital One 360 checking account I see my check has yet to be deposited. I then make a phone call to Capital One Customer Service, numerous attempts went by with disconnections or errors. Until XXXX last try I was about to connect with a representative XXXX who explained there are technical issues within XXXX the companies service providers and they are working on a solution to the problem. He apologized for the inconvenience to then explain that I should be hopefully receiving my check if not by the end of the night that Thursday XX/XX/scrub>, 2025, then by Friday XXXX XXXX, 2025 XXXX. XXXX then gave me the recommendation that if I do not receive my check by Friday XXXX XXXX, 2025 morning to give a call to Capital One Customer Service to help resolve my issue. So come Friday XX/XX/scrub>, 2025 at around XXXXam, I give Capital One Customer Service XXXX XXXX XXXX Which then I go through the automated security system to speak to a representative. After an exact XXXX holding period, I finally get ahold of a representative and explained to them my issue to be told that the technical issues still have not been resolved. To now wait until Tonight Friday XXXX XXXX, 2025 to hopefully receive my check of {$1000.00}.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I was notified by my credit report monitoring service that several hard credit checks occurred using my information that I did not initiate. An unknown individual applied for a credit card using my information from XXXX XXXX and XXXX XXXX XXXX. Both banks have been notified of the fraudulent activity and the applications will be terminated.

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 — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was notified by my credit report monitoring service that several hard credit checks occurred using my information that I did not initiate. An unknown individual applied for a credit card using my information from XXXX XXXX and Bank of America. Both banks have been notified of the fraudulent activity and the applications will be terminated.

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was notified by my credit report monitoring service that several hard credit checks occurred using my information that I did not initiate. An unknown individual applied for a credit card using my information from XXXX XXXX and Bank XXXX XXXX. Both banks have been notified of the fraudulent activity and the applications will be terminated.

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: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting the 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 CFPBs 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: Early Warning Services, LLC
State: VA

Complaint narrative:
I have had many problems with zelle with no help from the company with reports I want to be reimbursed

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 transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
This email constitutes a formal complaint against Cash App concerning the inadequate customer service I experienced while a user and the subsequent financial damage that resulted from these deficiencies. I was a Cash App user at the time of this incident. 

Around XXXX or XXXX, my Cash App account was hacked. I attempted to contact Cash Apps customer service to report this security breach and request assistance. However, I found that there was no option to speak with a live customer service representative. This lack of readily available support significantly hampered my ability to address the issue in a timely manner. 

Instead of being able to secure my account and reclaim my funds, my account was ultimately flagged and suspended with money still inside. While my account was suspended, I was also held responsible for the fraudulent charges made by the hackers. This led to a significant financial loss for me and resulted in my XXXX XXXX XXXX account, which had been in good standing for almost XXXX years, being closed by XXXX  XXXX XXXX. This closure also negatively impacted my ability to manage my finances and initiated a period of credit history issues. 

I experienced the following losses : * Loss of funds from my Cash App account * Loss of funds due to fraudulent charges. 
* Closure of my XXXX XXXX XXXX account. 
* Damage to my credit history. 

I believe Cash App is responsible for the following failures : * Absence of a readily available customer service representative to handle time-sensitive issues like account hacking. 
* Inadequate security procedures that allowed my account to be compromised. 
* Holding me responsible for fraudulent charges. 
* Suspension of my account with my funds still inside. 
* The subsequent damage to my financial well-being, including the loss of my bank account. 

I am requesting a thorough investigation into this matter and expect a prompt and reasonable resolution to the damages that occurred as a result of Cash App 's deficiencies. 

This includes but is not limited to a complete refund of the funds lost, removal of fraudulent charges, and acknowledgement of accountability for the damage to my credit and banking history.

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

Complaint narrative:
I updated my name, addresses, employers, & phone number. Yet I still see multiple names. I want to make sure if its my report, it needs to be accurate

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 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 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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: IL

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 action 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 — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One has experienced a Tech Issue by their Third party provider that has caused no direct deposits to actually deposit. This is a HUGE inconvenience as there are automated bills to be paid and now those will all bounce.

No clear ETA which is completely unacceptable!!

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

Complaint narrative:
pon reviewing my credit report, I discovered several unauthorized hard inquires that I do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested their removal. Unfortunately, the credit bureaus refused to remove them off my report. This issue is causing undue stress and is negatively affecting my financial standing

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: KY

Complaint narrative:
The direct deposit from my husband 's company is scheduled to arrive in our Capital One account by every Friday, and we usually have access by the Wednesday before his paycheck with early access do direct deposits. We thought it would arrive by midnight today, XXXX/XXXX/25 at the latest, but it is XXXX and it still has not arrived. Then I got online and saw a news article saying this is a widespread Capital One issue and checked my email and found an email about the " technical issues '' caused by their " third party. '' This is unacceptable. Our funds need to be released immediately so we can pay our bills, buy groceries, and buy gas for our cars.

Company response to consumer: Closed with explanation