vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-06 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: WI

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighted significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle fail to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transaction 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 rise serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am writing to formally express my concerns regarding XXXX and Chime 's handeling of disputes, particularly in light of the CFPB lasuit highlighting significant issues with these platforms. Despite using XXXX and Chime numerous amount of times, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering the lost funds were impossible and they couldn't do anything to help me. Which costed me well over {$1700.00}. The CFPB 's findings indicate that XXXX and Chime not only neglected to protect consumer services, but also allowed repeated offenders to to exploit the system. I am not happy about this at all. I have children, bills and everything else to take care of. My money should be protected by the institutions I choose and by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles dispute handling practices, especially in light of the recent CFPB lawsuit that has brought to light serious issues with the platforms consumer protection standards. Despite being a frequent user of Zelle and reporting multiple transaction discrepancies, neither my financial institution nor Zelle conducted a proper investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions could not be done, which I find deeply troubling. 

The CFPBs findings demonstrate that Zelle has repeatedly failed to safeguard consumers and has permitted repeat offenders to exploit its system, leaving users increasingly vulnerable to fraud and scams. This ongoing lack of accountability, transparency, and oversight is unacceptable and raises major concerns about the safety and reliability of Zelle as a financial service platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: NV

Complaint narrative:
I am writing to formally express serious concerns regarding Zelles ongoing failure to protect consumers from fraud and its inadequate handling of dispute resolution, particularly in light of the Consumer Financial Protection Bureaus ( CFPB ) XX/XX/year> lawsuit against Zelles operator and its partner banks. The CFPBs legal action against Zelles operator, Early Warning Services, along with several major banks ( including XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX ), alleged a pattern of unlawful conduct in handling fraud and error disputes. According to the CFPB, Zelle and its affiliated banks : Routinely failed to investigate consumer complaints about unauthorized or fraudulent transfers ; Denied refunds or reversals to consumers even when required under the Electronic Funds Transfer Act ( EFTA ) and Regulation E ; Gave misleading or incomplete information about dispute rights and responsibilities ; Instructed victims to recover their funds themselves, including contacting fraudsters directly an approach both unrealistic and deeply irresponsible. 

These allegations underscore serious weaknesses in Zelles consumer protections, dispute handling protocols, and internal accountability mechanisms. Consumers who use Zelle often through their trusted banking institutions frequently find themselves with no clear path to resolution when a transaction is unauthorized, coerced, or part of a scam. Despite facilitating billions of dollars in peer-to-peer ( P2P ) transfers annually, Zelle appears to : Offer no consistent or accessible mechanism for fraud reporting directly through its platform ; Shift responsibility between the platform, banks, and users leaving victims in a bureaucratic no-mans land ; Fail to clearly communicate whether and when fraud victims are eligible for reimbursement ; Provide no binding third-party resolution process or independent review of dispute outcomes. 

Such a structure effectively privatizes risk and liability for fraud, while promoting a false sense of security around real-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDITis falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
CFPB Complaint Draft Bank of America Subject : Mishandled dispute regarding hotel reservation refund lack of investigation, misinformation, and repeated procedural errors. 
Complainant : Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Card : Bank of America XXXX  ending in XXXX Description : On XX/XX/2025, I made a hotel reservation through XXXX for a total of {$370.00} USD ( XXXX  by XXXX XXXX The XXXX XXXX  XXXX XXXX XXXX ). 
Due to circumstances, I had to leave the property early, and the hotel issued a refund of {$250.00}, which was sent to XXXX. However, after eight business days, XXXX did not return the refund to my account, so I contacted Bank of America to file a dispute. 

The agent advised me to dispute the full amount of {$370.00}. On XX/XX/XXXX, XXXX processed the refund, but Bank of America never returned the funds to my account. 
When I called a month later, an agent told me that the claim was closed and denied because the dispute was for {$370.00} instead of {$250.00}. I requested a new dispute for {$250.00}, and the agent said it was submitted. 

After about 20 days, I called again, and another representative said there was no active claim in the system. This has been an ongoing issue every time XXXX contact customer service, I receive inconsistent and conflicting information about my case. Each call takes over two hours, and yet the issue remains unresolved. 

Today, XX/XX/2025, another agent told me that there is a dispute showing as reconsideration for {$370.00}, which contradicts what others have said. 
One representative even told me that my account is flagged because I make too many claims. This is unfair and discriminatory. I am a frequent traveler for work, and hotels often process deposits incorrectly as payments, which requires me to dispute unauthorized or duplicate charges. 

I am open to any investigation regarding my legitimate travel deposits, transactions, and statements. However, I feel my rights as a consumer are being ignored, and Bank of America is failing to properly support me and follow federal dispute procedures. 

I am requesting a formal investigation into Bank of Americas handling of this case and a refund of {$250.00}, which has already been confirmed by XXXX but never credited back to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-06 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: SC

Complaint narrative:
I am writing to formally my concerns regarding Zelles handling of disputes particular in the 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 my loss funds impossible and tracking the transactions was infeasible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Ladera Lending, Inc
State: CA

Complaint narrative:
Ok I purchased a home at XXXX XXXX XXXX XXXX from what I thought this was a new loan from what I seen on closing disclosures it was a modification meaning this was an existing loan that was not the understanding nor did I convent to such things. According to a closing disclosure it states that there was an unathorized loan tie in. Apparently the misuse of my social security number started in XXXX in XXXX there was a grant deed that stated an unmarried man and a unmarried woman gaining title as husband and wife and stated as XXXX XXXX and XXXX XXXX as a unmarried man. After speaking to customer service and the research department it shows that XXXX XXXX had used my social security number to originate a loan to an unincorporated area at XXXX XXXX they also stated it was paid off in XXXX. Now coming into XXXX in XXXX my spouse XXXX XXXX applied for title and there were many days of signings I was not present for but had my name on real estate documents. Coming into XX/XX/XXXX it appears that there was a modification done to the account all the while it was under my social security. This is more than ID theft this was devastating for me as I had to launch many reports to get to this point where now I know this loan was illegally acquired using my personal information. Im shocked by XXXX XXXX XXXX and other services who must of known this loan was using the wrong persons social security number. I want to file a formal complaint for compliance as they had a duty of care to verify social securities and did not see that my name is XXXX XXXX?

Company response to consumer: Untimely response
Consumer complaint received 2025-10-06 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-06 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I currently have a child support obligation to pay a certain amount each month. From XXXX to XXXX, Child support has reported me being XXXX Days late XXXX different times Which i have never been late before. When my child support order was first set in place, I was placed with a few XXXX in arrears due to me fighting the child support amount. The longest I had ever went without a payment was a bit less than a month when I was unemployed. Child support and the credit bureau ( Equifax ) Will not changed the payment history that is clearly wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
I found inaccurate account information appearing on my credit report. I did not authorize or open the account listed below, and it does not belong to me. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$0.00}. 
These accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: NY

Complaint narrative:
I am wring to lormal 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 2025-10-06 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Unauthorized Inquiries to Be Deleted : XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 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: TX

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Issue : Failure to resolve an ongoing dispute and issue provisional credit or final refund within regulatory timeframes. Company has exceeded investigation timelines, ignored provided documentation, refused escalation, and has not addressed the fact that no goods or services were ever received. 

Details : I filed a dispute with XXXX  on XX/XX/year> regarding a transaction which I was advised to dispute by the merchant for which I never received any goods or services. 

It has now been nearly 90 days since the dispute was opened, far beyond the standard regulatory timelines ( including Regulation E, which typically requires provisional credit within 10 business days and resolution within 4590 days depending on circumstances ). 

During this period : I submitted multiple supporting documents to prove my case and assist their investigation. 
The merchant themselves advised me to file a dispute with my bank/payment provider, confirming that they could not issue a refund directly. 
I was told by a representative that my refund would be issued by Friday XX/XX/year>, but that date passed with no refund or provisional credit. 
On XX/XX/year>, when I followed up, I was told they can not provide any new resolution timeframe. 
I requested to speak with a manager or supervisor, but my request for escalation was refused. 
I have received no provisional credit, no final resolution, and no written explanation for the delays, despite fully cooperating and never receiving what I paid for. 


Escalation confirmation # : XXXX Dispute case XXXX : XXXX

Company response to consumer: Closed with explanation