vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-18 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 to formally expressing 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 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 this to formally express my concerns regarding zelle 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 mu 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 leavings users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: NC

Complaint narrative:
EQUIFAX HAS NO FIXED NOR ALLOWED ME TO GET INTO MY CREDIT FILE. NOW TALKING TO THE OFFICE OF THE CONSUMER AFFAIRS THEY CANT EVEN DISPUTE NOR OPEN MY CREDIT FILE. I USED TO WORK FOR EQUIFAX IN THE XXXX XXXXXXXX AND EQUIFAX HAS GONE DOWN SO BADLY IN WORKING WITH CONSUMERS AND ALLOWING CONSUMERS TO DISPUTE FRAUD OR FALSE INFORMATION ON THERE CREDIT TRADE LINE. I CANT EVEN DISPUTE OR LOGIN ONLINE TO SEE MY CREDIT FILE OR DISPUTE OVER THE PHONE. I WILL BE CONTACTING THE FTC AND XXXX CONCERNING THIS MATTER. I WILL BE LOSING A LOAN BECAUSE OF EQUIFAX NOT ALLOWING ME TO DISPUTE AND ATTACH PROOF OF FRAUD ACCOUNTS. I HAVE FILED SEVERAL COMPLAINTS WITH CFPB AND FTC AND THEY KEEP SAYING THE BLOCK OR VERIFICATION WILL BE REMOVED AND THE BACK OFFICE WILL REMOVE THE FRAUD ACCOUNTS ON YOUR CREDIT FILE, MEANING,,, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX, I STATED IN A STATEMENT BACK TO CFPB THAT THESE ACCOUNTS HAVE BEEN REMOVED AND MY ACCOUNT IS OPEN TO ME TO DISPUTE ONLINE AND LOGIN AND TALK TO OFFICE CONSUMER AFFAIRS. NOTHING IS EVEN TRUTHFUL WITH EQUIFAX AND I TIRED OF THIS PROBLEM AND NOW IM LOSING XXXX IN CLOSING MONEY DUE TO EQUIFAX AND I WILL FILE LEGAL ACTION AGAINST EQUIFAX IF THIS PROBLEM AND ACCOUNTS AREN'T OFF MY CREDIT FILE BY XX/XX/XXXX. I HAVE CONTACTED SENATORS THATS MY BROTHER IN NC AND HES IS RAISING A COMPLAINT NOW AGAINST EQUIFAX IF THE PROBLEM ISN'T CORRECTED BY XX/XX/XXXX. IT NOT HARD JUST FIX THE PROBLEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-18 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: FL

Complaint narrative:
consumer Data breach my information has been compromised.

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 2025-01-18 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: FL

Complaint narrative:
consumer Data breach my information has been compromised.

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 2025-01-18 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 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 tracking these transactions was unfeasible. The CFPB 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 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CITIBANK, N.A.
State: AR

Complaint narrative:
I made an online purchase {$230.00} on XX/XX/XXXX from what I thought was a legit company-XXXX selling basketball toys. They took my money, then a few days later, told me it might take up to 30 days to receive the items. I said to cancel it if they can not get it there by XX/XX/XXXX because it was XXXX presents. They kept giving me the runaround-only answering in emails XXXX or 3 days later-no phone number to call. I contacted my XXXX XXXX and XXXX to them what happened-I was told they would investigate it with them and remove the money from them and put it back on my card. XX/XX/XXXX I was told by XXXX that they were closing the dispute. I don't know why or what the company told them. I have multiple emails from XXXX saying my order is still being processed ... .almost 2 months now. This is rediculous. I have told XXXX multiple times in my messages to cancel the order because it wasn't delivered in a reasonable amount of time. I have sent the information to XXXX and XXXX them the same thing, but as of today they said they were closing my dispute????? I filed a complaint with XXXX and negative reviews. My credit card company told me originally, they would refund the money, but they just had to go through the process.

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 2025-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I came Across the CFPB Lawsuit. 

i Feel that i was negatively Impacted by ( XXXX ) Hurting my Chance at Credit after receiving a response to my earlier dispute. that the account were verified.

but didn't Receive Any details about the Investigation.

PURSUANT TO 15USC 168Is-2

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
When transferring money to someone they claimed they never received the funds. After paying several times I didnt receive services but my funds were taken XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: LA

Complaint narrative:
With the recent CFPB complaint exposing serious problems with the platform, I am writing to formally voice my concerns about Zelle 's dispute resolution practices. Both Zelle and my financial institution did not sufficiently look into my claims, even though I used Zelle multiple times and reported inconsistencies. They told me it was not possible to track these transactions and that there was no way to reclaim lost money. In addition to failing to safeguard customers, Zelle has let repeat offenders to take advantage of the system, leaving users open to deception, according to the CFPB 's findings. Consumer safety is seriously threatened by this intolerable lack of transparency and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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:
I have disputed with Zelle on multiple occasions and they failed to investigate the claims. The CFPBs findings indicates that not only neglected to protect consumers but allowed repeat offenders to exploit their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate consumer 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 and under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have causes significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC
State: FL

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 the numerous times and reporting discrepancies my financial institute in zeal failed to investigate my claims adequately they informed me that recurring lost forms was impossible and that tracking these transaction was unfeasible the cfpb 's finding indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: IA

Complaint narrative:
Ylthey are calling and texting and emailing me several times a day. Harassment. Ylthe lian was XXXX and they want me to pay back XXXX dollars. I refused to I offer a settlement and they demand all this interest I am not paying. Ask for cease and assist to stop calls and text. I don't have money have been off work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: PA

Complaint narrative:
I am writing to formally expressed 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 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 its unacceptable and raises serious concerns about consumers safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: CT

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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: PA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 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 rocovering 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. 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 2025-01-18 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-18 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-18 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 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 unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but had also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-18 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 here to share and express my concerns when it comes to Zelle 's handling of disputes, cancellations, and refund processes. This has been a concern of mine that I have been reaching out in regards to the previous problems I have addressed with them and have gotten little to no help with. So now that see the recent CFPB lawsuit that's highlighting the same significant issues that I have been facing your years, I know this is something I would like to finally gain real help with. Despite me having and sharing proof and actual data that support concrete evidence of wrong doings done towards me financially while using Zelle ; Zelle and my financial institutions failed to investigate my claims adequately. They told me that recovering lost funds were impossible and that tracking these transactions was unfeasible. After doing my own constant research, the CFPB has made findings of that indicate that Zelle has not only neglected to protect consumers like myslef but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This has been something that has effected me on numerous occasions over the years and I have never received the proper help once.

Company response to consumer: Closed with explanation