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: NJ

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

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:
Im writing to formally express my concerns regarding Zelles handling of disputes in the light of the recent cfpb lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times times and recording 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 infeasible. The cfbp findings indicate that Zelle has not only neglected to protect consumers but has also 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: IL

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 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 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. 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 2025-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In a letter dated XX/XX/year>, I notified TransUnion of inaccurate information reporting on my credit file. TransUnion provided investigation results dated XX/XX/year> on page XXXX of XXXX. In a letter dated XX/XX/year>, I requested a re-investigation and procedure used to determine accuracy, to which TransUnion never responded even as of today. This is a violation of not only the Fair Credit Reporting Act ( FCRA ), but also the Consumer Financial Protection Bureau ( CFPB ) and my consumer rights. TransUnion failed to correct the inaccurate information on my credit report and furthermore refused to re-investigate and provide a detailed description of the reinvestigation process as required under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ) as I requested.

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 2025-01-16 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: IL

Complaint narrative:
I had used Zelle to transfer money to my dads account and the money left my account but was never sent to his. At this point I had send money numerous times to the same number and contact in Zelle and the transfer went through. This time however, the money was never transferred and I was never refunded the $ XXXX. I contacted my bank XXXX XXXX and Zelle over XXXX times and there was no resolution. Not only has Zelle allowed this type of scam occur, even after thousands of complaints theyve done nothing about it. The lack of accountability is astonishing and unacceptable. Zelle needs to do better.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: FL

Complaint narrative:
{$3000.00} was taken from my account on XX/XX/XXXX. The good and services were not provided and bondxwas revoked. I tried resolving the matter with merchant, several times no response. credit karma denied the dispute and refuses to give my money back. I am a single mom this is not right. please giv me my money back or I will be forced to take further legal action.

Company response to consumer: Closed with non-monetary relief
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: VA

Complaint narrative:
On my payday I would have early release to credit my account but then get a over draft charge for funds that I would have already

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: SC

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. I was scammed once a couple of years ago and nothing was done

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: CA

Complaint narrative:
On XXXX XX/XX/year> saw a transaction on my Zelle account for {$200.00} that was sent to a recipient that was not supposed to receive that money. I realized that the money I was trying to transfer to someone else was sent to the wrong person. I contacted Zelle to inform them and see if I could get the money back or cancel the transaction but they said they couldnt do anything because the transaction was already processed. There should be other ways for them to verify or take back the money that was sent to the wrong person and I ended up not getting anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: IA

Complaint narrative:
On XX/XX/XXXX, I encountered an issue with my XXXX  XXXX  account using Zelle. I accidentally sent {$200.00} to the wrong recipient. Upon realizing the mistake, I immediately contacted XXXX XXXX customer service. They informed me that once a Zelle transaction is completed, it can not be reversed, leaving me without a way to recover the funds. 

On XX/XX/XXXX, I experienced another problem where {$150.00} was sent to an unintended recipient. I followed the same procedure, contacting Wells Fargo, but received the same response. Despite my efforts to resolve the issue, I was unable to retrieve the money. 

Additionally, on XX/XX/XXXX, I had {$300.00} mistakenly sent to another wrong recipient. I again reached out to XXXX XXXX, but they reiterated their policy that Zelle transactions are final and can not be reversed. This recurring issue has caused significant inconvenience and financial loss.

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:
I am writing to formally express concerns regarding Zelle and the way disputes are being handled. Particularly in light of the recent cfpb law highlighting significant and serious issues regarding the platform. Although Ive used zelle several times, i have reason to believe the way that zelle has handled discrepancies, i whole heartedly feel as though my financial institution and Zelle have failed me as a consumer and failed to investigate my claims further. It has became hard to track these transactions and when expressing frustration i feel unheard and as though zelle has not been able to resolve or bring my concerns to a solution.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX. [ XXXX XXXX XXXX XXXXXXXX ] account was sold tXXXX XXXX XXXX XXXX XXXX ] but still shows a balance owed and has not been updated to reflect a {$0.00} balance or marked as sold or transferred, in violation of FCRA 623 ( a ).

There is inconsistent and incomplete payment history reported across bureaus ( e.g., reported on XXXX but missing on XXXX ). 
XXXXXXXX XXXX XXXX XXXX  ] ] account was sold to [ XXXX This account exhibits the same issues : it was sold to [ XXXX XXXX XXXX ], but the original creditor has not marked it as sold, transferred, or updated the balance to {$0.00}. 
Inconsistent and incomplete payment history reporting continues to violate FCRA standards. 

[ Add additional accounts following the same structure as needed. ] These inaccuracies violate federal law, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally : XXXX has a history of failing to properly verify disputes, and this negligence undermines confidence in their credit reporting practices. 
XXXX XXXX data breach exposed sensitive consumer information, further demonstrating their lack of reliability in maintaining accurate reports. 

Per the Federal Trade Commission ( FTC ) guidelines, inaccurate or unverifiable information must be deleted from credit reports. As such, I am requesting the immediate deletion of these accounts from all credit bureaus ( XXXX, XXXX, and TransUnion ).

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 information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX. [ XXXXXXXX XXXX XXXX  XXXX ] account was sold to [ XXXX XXXX XXXX  ] but still shows a balance owed and has not been updated to reflect a {$0.00} balance or marked as sold or transferred, in violation of FCRA 623 ( a ).

There is inconsistent and incomplete payment history reported across bureaus ( e.g., reported on Experian but missing on XXXX ). 
XXXXXXXX XXXX XXXX XXXX  ] ] account was sold to [ XXXX This account exhibits the same issues : it was sold to [ XXXX XXXX XXXX ], but the original creditor has not marked it as sold, transferred, or updated the balance to {$0.00}. 
Inconsistent and incomplete payment history reporting continues to violate FCRA standards. 

[ Add additional accounts following the same structure as needed. ] These inaccuracies violate federal law, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally : Experian has a history of failing to properly verify disputes, and this negligence undermines confidence in their credit reporting practices. 
XXXX 2017 data breach exposed sensitive consumer information, further demonstrating their lack of reliability in maintaining accurate reports. 

Per the Federal Trade Commission ( FTC ) guidelines, inaccurate or unverifiable information must be deleted from credit reports. As such, I am requesting the immediate deletion of these accounts from all credit bureaus ( Experian, XXXX, and 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 2025-01-16 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: IN

Complaint narrative:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY 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 2025-01-16 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:
I am a victim of identity theft and someone has used my personal information to open accounts under my name and when I tried to report it to the reporting agency they kept telling me it was accurate and they would not remove these fraud accounts off 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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am writing to file a complaint about my account being repeatedly frozen without notice. The initial freeze left me unable to pay bills, receive wages, or access my funds. When I contacted the bank, I was not provided with a clear explanation and was directed to call a third-party number. I was asked to provide extensive personal information to unfreeze my account, which I reluctantly did. 

After the account was unfrozen, it remained accessible for a time, but it has now been frozen again. I am unwilling to provide additional personal information to an external entity to resolve this issue. I feel I have been treated unfairly, and the bank failed in its duty to inform me properly about these actions. 

I still can not access my account and this financial institution has failed in communication.

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: OH

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. 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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

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 I 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: GA

Complaint narrative:
This has occurred numerous times I do not have exact dates but this has happened over the years I have had accounts at Navy Federal and I have paid hundreds maybe thousands of dollars in fees. I have spoken to representatives who told me I didnt sign a document and send it back in that they sent to my app messages so they cant change my account unless this form is signed and returned. This went on for years.

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: NC

Complaint narrative:
Had an issue sending money through zelle which was fraudulent and I was unable to get any money back. The amount was $ XXXX and this occurred sometime between XXXX and XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to express my concern regarding changes made to my XXXX high-yield savings account. I recently noticed that the original account I opened, which offered a high interest rate, was switched to a different account with lower rates. 

I feel this change was made without proper notice, and I believe I was deceived and cheated out of the benefits initially promised. I request a thorough review of this matter and an explanation for why these changes were made without my consent or knowledge.

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: OH

Complaint narrative:
I am writing to ask for your assistance regarding the error that Experian has never taken off my credit file-inaccurate addresses. This is related to a case filed by yourself the CFPB against Experian, showing that the company was in serious violation of the FCRA, failing to conduct proper dispute handling and failing to update outdated information. 

After numerous repeated requests, Experian does not adhere to what the law requires. I humbly ask that the CFPB compel Experian to meet its FCRA responsibilities in this matter. If the above issue is not resolved within 30 days, further redress will be sought through legal action and formal complaints. 



Thank you for your support.

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