vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC
State: TX

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I am writing today to express concerns over years of using XXXX and having issues with disputes. This was highlighted to me today as I read how CFPB expressed many issues with XXXX. Despite years of using this service, as many personnel only use this money transferring services and working with my financial institutions to recover issues caused by the inconsistencies of the platform, I had been unsuccessful in reversing discrepancies. It is appreciated that the CFPB is looking deeper into this for all the people who have been impacted by the lack of accountability and transparency from many financial institutions that utilize XXXX for payment transfers

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I sent money via Zelle to the wrong account, the bank said there was nothing that could be done except asking the person for the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I Zelle this company {$3500.00} and and I got scammed from the company because I never received my product I bought I reach out to Zelle and try to dispute it with my bank but never received it back from them - on XX/XX/XXXX I received an email from Zelle saying that my account had been closed I called my bank to see whats going on they told me I have to wait up 120 days until they finished their investigation Months go by still no update no call So in XXXX I call them to see what is the update on my account they stated that XXXX find my case or anything and they told me the supervisor will give me a call on that Monday on the XXXX I never gotten called from no one of course But I got ta an email stating that couldnt get the funds the from the others account so my request has been denied!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding 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 consumersafety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed several inaccuracies... Here is the referenced account. 

XXXX XXXX XXXX Account Number : 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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX To whom it may concern, XX/XX/scrub>XXXX I am writing to advise you that the personal information on my credit report is incorrect, and it must be corrected. The address of (? ) is not my address and I have never lived at this address. Any accounts that are listed at this address is fraud and I have sent a separate letter dealing with them. At this time under section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES the above listed address must be removed and blocked from my credit report or I will file a lawsuit under sections 1681n. Civil liability for willful noncompliance and 1681o. Civil liability for negligent noncompliance. I am also requesting that you send me a corrected copy of my credit report within the 30 days allowed. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  To whom it may concern, XXXX I am writing to advise you that the personal information on my credit report is incorrect, and it must be corrected. The address of (? ) is not my address and I have never lived at this address. Any accounts that are listed at this address is fraud and I have sent a separate letter dealing with them. At this time under section 1681c2. Block of information resulting from identity theft of 15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES the above listed address must be removed and blocked from my credit report or I will file a lawsuit under sections 1681n. Civil liability for willful noncompliance and 1681o. Civil liability for negligent noncompliance. I am also requesting that you send me a corrected copy of my credit report within the 30 days allowed. 

Respectfully, XXXX 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 2025-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: AZ

Complaint narrative:
This company tries to lie and say they sent a letter in XXXX, which they did not. They sent a letter in XXXX with the wrong address on it. I sent them a letter saying to not contact me at XXXX XXXX XXXX XXXX XXXX XXXX. I replied within the 30 days to stop them from proceeding on any collection practices as per California law. I told them I did not owe the debt and I dispute its veracity while asking for proof, which is my right. The company is lazy and decided to open my letter after labor day, pretending that it was late, when it was not. It is simply because they are incopetent and lazy. They reported the debt to the credit bureaus, despite my dispute. I then received another letter with generic language and some poor attempt to create an invoice. I replied that that was not proper proof as it was neither original nor a certified copy and anyone could have made that up. I got another letter which was the same as the second, saying I had 30 days to reply. I replied within 30 days, and told them the proof they sent was insufficient, again. I told them not to contact me unless they had proper proof. They then decided to send me another generic letter with the same fake proof. I reported them and they had the audacity to lie about the dates of their letters. They had my proper address, yet they sent the letter to the wrong address on purpose despite claiming that my correct address is on the exit paperwork. If it's the correct address why did you send it to the incorrect address? They also said they had my signature yet never produced it. I do not know if it's a physical signature or a digital signature. If it's a digital signature, no meta data was presented. They did not send any proof and they had the audacity to say they " provided him with proof despite him missing the deadline. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 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 concernsis unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Unable to receive refund or return for money sent to wrong address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC, XXXX XXXX XXXX XX/XX/2025 Dear Sir/Madam, I am writing to file a formal dispute regarding a debt collection account that I believe is inaccurate or has been mishandled by the collection agency. I am seeking your assistance in investigating this matter and ensuring that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ). 

Account Information : Collection Agency : MIDLAND CREDIT MANAGEM Account number : XXXX Original Creditor : XXXX XXXX XXXX  Balance : {$510.00} The debt collector is not providing proper documentation to verify the debt as requested under the FDCPA. I have contacted the collection agency multiple times, requesting proper verification of this debt, but they have not provided sufficient documentation or proof of this debt. I am requesting the CFPB to investigate the this debt to ensure that the collection agency is complying with the FDCPA. I request that you notify me of any actions taken place and advise me on the next steps in this dispute process. Thank you for you prompt attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns Regarding Zelles handling of disputes, partially 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 fund was impossible, and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but 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 2025-01-15 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 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 this transactions was unfeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 writing to express my dissatisfaction with the handling of disputes I raised on my account. Despite providing clear evidence supporting my cases, most disputes has not been resolved to my satisfaction. I have submitted all requested documentation, including transaction details and supporting proof, yet my concern remains unresolved. 

It is extremely frustrating to experience such an unresponsive approach, especially when Ive made every effort to provide the necessary information to support my claims. As a customer, I expect that disputes will be handled fairly and thoroughly, and I feel that my situations has not been given the attention it deserves.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: OK

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 2025-01-15 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 formally to 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 Zelle and my financial institution failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions were not feasible The CFPB findings indicate that Zelle had not only failed to protect consumers but have also allowed repeat offenders to exploit the system leaving users vulnerable to scams.This lack of accountability and transparency is highly unacceptable and raises serious concerns about consumer safety and protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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 am writing to formally express concerns regarding Zelles handling of disputes. Especially after news of recent CFPB lawsuit, describing issues with the Zelle platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution, 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 had not only neglected to protect consumers, but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account XXXX, Has Violated my rights. XXXX XXXX XXXX bank Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX XXXX Account # XXXX, Has Violated my rights, XXXX  Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX has inaccurate data with addresses that I am not associated with, Has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. C 168Tc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-15 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: CT

Complaint narrative:
Under the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXX Account XXXX, Has Violated my rights. XXXX XXXX XXXX bank Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, Has Violated my rights. XXXX XXXX XXXX Account # XXXX, Has Violated my rights. XXXX XXXX Account # XXXX, Has Violated my rights, XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX Account # XXXX, Has Violated my rights. XXXX has inaccurate data with addresses that I am not associated with, Has Violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S. C 168Tc. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-01-15 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 have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation