vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: KS

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
The company charges my account later when my account getting low. Not when I make the purchase. So that they can get the overdraft fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 want to writing to formally express my concern regarding Zelles handling of disputes, particularly in light of CFPB lawsuit highlighting significant issues using this platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me of recovering lost funds was impossible and tracking these transactions was infeasible. 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NJ

Complaint narrative:
Im 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 respecting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: GA

Complaint narrative:
I am writing to formally address my serious concerns regarding Zelles handling of disputes, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which exposes grave issues with the platform. Despite using Zelle numerous times and promptly reporting discrepancies, my financial institution and Zelle both failed to thoroughly investigate my claims. I was informed that recovering the lost funds was impossible and that tracking these transactions was not feasible. 

The CFPBs findings have made it clear that Zelle has not only failed to protect consumers but has also enabled repeat offenders to take advantage of the system, leaving users vulnerable to scams and financial exploitation. This blatant disregard for consumer safety, along with the platforms lack of accountability and transparency, is deeply troubling and absolutely unacceptable. I believe I am entitled to recompense for the harm caused, and I demand that this issue be addressed promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NC

Complaint narrative:
Iam 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 shading 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 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 2025-01-16 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2025-01-16 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: MD

Complaint narrative:
These inquiries do not belong to me, and I have no association with the listed creditors. I urgently request their removal from my credit report.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-01-16 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: OH

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 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
Unauthorized money transfer with out warning, this happend several time in increments of $ XXXX {$58.00} dollars and after a while it started adding up, I called Zelle representatives and was told that I sent the money so there was nothing I could really do. so I just stoped using the app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
I am writing to formally express my concerns about Zelle 's approach to handling disputes, especially in light of the recent CFPB lawsuit that highlights critical issues with the platform. Despite being a frequent Zelle user and reporting discrepancies, my claims were not adequately investigated by my financial institution or Zelle. I was informed that recovering the funds was not possible. The CFPB 's findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the platform, leaving users vulnerable to scams. This lack of accountability and transparency is deeply concerning and raises serious questions about consumer safety

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX, I made a purchase from XXXX in the amount of {$1700.00} upon which I immediately attempted to return per XXXX return policy ( 90 Days, no questions asked ). Although XXXX customer care admitted that it should be eligible for free return, they continued to drag out the incident to this day. Documentation supporting the following requested by Capital One enclosed on page XXXX. 
Documentation that shows the item was falsely delivered on XXXX ( See Page XXXX ) : After submitting a complaint with XXXX XXXX XXXX, the representative confirmed the Tracking Number was fake and further action would be taken with the Seller During this time, I tried to cancel this order but per XXXX XXXX, an order can not be cancelled once marked as 'shipped '. 
Purchase was eventually delivered to me but please find documentation supporting discrepancies in the delivery date between XXXX and XXXX : Delivery Date per XXXX Records : XXXX ( See Page XXXX ) Delivery Date per XXXX Records : XXXX ( See Page XXXX ) Return Attempt Date # XXXX : XXXX ( See Page XXXX ) Return Submitted via XXXX XXXX portal. XXXX team confirms they will review the return request and will follow up. The seller stated that they do not accept returns, and that I had signed for the item. This does not align with the Return Policy per page XXXX and the XXXX receipt states a signature was not required to deliver the package ( See Page XXXX ) Return Attempt Date # XXXX : XXXX ( See Page XXXX ) Contacted XXXX XXXX XXXX to escalate the issue as I had now tried to cancel the order and return the product. XXXX XXXX agreed I was within the return window and stated they would follow up with further instructions on how to proceed. ( Case Number # XXXX ) Return Attempt Date # XXXX : XXXX ( See Page XXXX ) I Contacted XXXX XXXX XXXX again as I had not received any follow-up instructions on how to return the product. The team stated they would continue to escalate the issue. Yet, their senior returns team would not look into it any further while a dispute is open. 

After explaining this to capital one, the close the dispute. When I called to press for why they closed it and what I was missing from the initial documents, I was simply told they followed procedure and considered my case closed. I appealed with a condensed version and within XXXX hours, it was closed again. Again I pressed why they would not look into the case despite the overwhelming evidence, no answer was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
On XX/XX/XXXX my wife had a XXXX XXXX at XXXX XXXX XXXX XXXX which was covered by our health insurance, XXXX. Sometime later we get a bill from dynamic collectors inc about this visit including services that never occurred. When the call, my wife asks for an adjusted bill omitting the erroneous services ( which they have yet to provide ). I call XXXX XXXX asking about this bill to which they confirm the services have been paid in full & that they never contacted dynamic collectors about this debt or any debt ever. XXXX XXXX sends us proof of this dated XX/XX/XXXX. XX/XX/XXXX We get another letter claiming we have this debt with XXXX XXXX ( who never contacted them ) that is accruing interest. dynamic has called us several times including today XX/XX/XXXX. They are rude, purposely obtuse, & deny to do their own due diligence in checking with XXXX XXXX about this " debt ''. I figure because they don't have & never did have legitimate communication with XXXX XXXX. Now they want us to provide proof that all services on their bill was paid but we can't do that because the proof of services paid in full from XXXX XXXX doesn't include the services that never occurred.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX XXXX 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). Experian has failed to remove a late payment from my XXXX XXXX XXXX account , despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXX  account , which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, Experian was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, Experian has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that Experian urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with Experian and XXXX XXXX XXXX XXXX I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Failure to Reinvestigate Account XXXX XXXX XXXX XXXX 

Dear Sir/Madam, I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report, as mandated by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). Experian has failed to remove a late payment from my XXXX XXXX XXXX  account XXXX despite the necessary steps being taken on my part to rectify this incorrect information. 

I recently disputed the presence of a late payment on my XXXX XXXX XXXXXXXX account XXXX which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, Experian was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 

Despite this statutory obligation, Experian has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 

I request that Experian urgently investigate this matter and ensure compliance with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with Experian and XXXX XXXX XXXX XXXX I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance in this regard. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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:
writing a complaint regarding how my bank and zelle handled previous discrepancies despite my efforts to have resolved, there was no investigation or follow up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

Complaint narrative:
Zelles handling of disputes is not right, cfpb highlighted major issues with platform in lawsuit. My zelle failed to investigate claims properly. So man scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
On XX/XX/2023 {$170.00} dollars were sent out via my Zelle through the XXXX XXXX XXXXXXXX XXXX. The problem is that it was impossible to recover those lost funds even after contacting them. They told me that it would take months for the investigation for me to just receive an update stating that I was not going to be reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
I, XXXX XXXX didnt consent to anyone or give authorization to this debt. 

This letter is to inform your company that I want to dispute the following item below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that XXXX does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 

I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today!

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 2025-01-16 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: CO

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: NE

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation