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 transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regardi 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 institute 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 had 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 2025-01-15 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: NC

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of dispute particularly in light of the recent CFPD 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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPDs 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: 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: FL

Complaint narrative:
There are two innaccurate XXXX XXXX accounts on my credit reports. And I am requesting a full investigation in to the stated accounts. 

XXXX XXXX Account # XXXX XXXX XXXX Account # 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are two innaccurate XXXX XXXX accounts on my credit reports. And I am requesting a full investigation in to the stated accounts. 

XXXX XXXX Account # XXXX XXXX XXXX Account # 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: KY

Complaint narrative:
my mom sent me a zelle payment that was never put in my account. i was literally with her when she sent it so we were able to confirm and verify that it was to the correct account and that all my information was correct. they told us to wait 7 business days. we did, i never received the money. we never received a response from zelle after that.

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 and to request reimbursement for the reported transactions related to recent discrepancies I encountered. 

Over the course of my use of Zelle, I have encountered multiple discrepancies and promptly reported these issues to both Zelle and my financial institution. Despite my efforts to seek resolution, l was informed by both parties that recovering my lost funds was impossible and that tracking the transactions was unfeasible. This response is deeply concerning, especially in light of the CFPB 's findings, which indicate that Zelle has failed to protect consumers adequately and allowed repeat offenders to exploit the system.

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:
Hello, I am writing to express how Zelle has handled my account disputes given its recent lawsuit with the CFPB that calls in issues with the platform. Given my use of Zelle various times and reporting when I had discrepancies and issues, Zelle did not investigate r provide feedback adequately. It was reported that when funds are lost, they can not be recovered for me because the funds could not be tracked feasibly. The CFPB has highlighted that Zelle 's inability to protect consumers and allow folk to continually offend/harm/scam.

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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX JP Morgan Chase & Co Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, I went in Chase Bank for a wire transfer of {$25000.00} from my Chase account to my XXXX account. I have wired money to my XXXX account since XXXX. My wire this day was approved at the bank. Yet Chase Privacy Operations uses fraud protection to put me under the scrutinized call. In this call, I passed the security review, yet I was given a reason that my fund was insufficient. My wire was hence cancelled. The same amount of money was wire on XXXX XXXX by me again at Chase Bank. According to Chase Bank, review for wire transfer takes from 2-4 hours. Yet I did not receive any review call from Chase Bank on XX/XX/XXXX. This wire was sent on XXXXXXXX XXXX ET. The bank closes at XXXX. Even under the rules at Chase Bank, I should have received the wire security review on Friday, XX/XX/XXXX. Yet I did not receive a wire transfer security review call from Chase Privacy Operations on XX/XX/XXXX. 
This wire was cancelled on Monday, XXXX XXXX. 

Because of the troubles caused by Chase Privacy Operations, I decided to split this transfer into three transfers. On XX/XX/XXXX, I made a wire transfer on my Chase mobile app in the amount of {$10000.00}. I got the review call at XXXX XXXX XXXX XXXX. I was at work and I needed to treat a patient. I asked a number to call back for this review. Yet, I got an email XXXX minutes later at XXXX XXXX XXXX XXXX to tell me that my wire transfer was cancelled. I called back to the number I was given. The bank specialist ignored my concern and said there was nothing she could do to help me because the wire transfer was canceled. Under such conditions, I indicated that I might have to file a complaint. She then said that I could speak to her supervisor. So I was with her supervisor for totally 30 minutes+, asking me many investment questions. One question was do you threaten to file a complaint? I said I didnt threaten to file a complain but as a consumer, I have my consumer right. This call from the beginning to the end totally lasted over 50 minutes, I needed to go back to my work, so I asked him to please speed up. He then said the wire transfer was cancelled. He couldnt help me. He never once cared that the wire transfer was cancelled without even a review.

It looks like JP Morgan Chase & Co uses Chase Privacy Operations to hinder me to do investments in my Coinbase account on my own. JP Morgan Chase & Co has its investment department. JP Morgan Chase & Co violates the consumer rights and is manipulating me to have my investment done by Chase Investment team.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Here we go again folks! There's so many international numerous errors, inconsistencies, confusion, and big time failures : until I really don't know where to start! Equifax always has the tendency ; to provide and update info, to their third-party vendor ( XXXX XXXX ) promptly, and correctly! But, intentionally leaves their platform in a hot, stinky, and low down dirty mess! If updated credit reporting is good enough, to be given or provided to XXXX XXXX! Then surely or truly such info : definitely should be updated first under their platform! Furthermore, Equifax has been in violation of my health, civil, and constitutional rights, and most importantly constantly adding insult to injury, in terms of my health overall! This ongoing renditions of their has got to stop immediately, CFPB!!! They had in some parts of 2024, started off pretty well! Some how something went wrong, that lead to their ; all out attack, refusals, stupidity, inaccuracies, and harmful manipulation/presentation of my credit report! I'm part of the class action lawsuit, filed against Equifax ; which an compensation of left over funding was disbursed to those members! That's when Equifax retaliated against me : and the start of their Credit Reporting Disfunction!!!

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 file a complaint against XXXX XXXX XXXX XXXX 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 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 formally to 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 were impossible and that 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 2025-01-15 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: CA

Complaint narrative:
I am writing to file a complaint Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices 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 2025-01-15 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: OH

Complaint narrative:
I have used Zelle for several years. I went money and it went to the wrong person. I could not cancel it or get a refund for the money I sent.

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 dispute, 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 finnding 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: UT

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 this 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 CFPBs findings indicate that Zelle has not only neglected to protect consumers, but have also repeat offenders to exploit the system. Leaving users, vulnerable, and scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about customer 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: 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 2025-01-15 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Unauthorized Credit Inquiries Dear Experian, I am writing to formally dispute the following credit inquiries listed on my credit report. I recently reviewed my credit report and noticed inquiries that I do not recognize or authorize. These inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by me or those resulting from a permissible purpose can remain on my credit report. I did not grant permission for these inquiries, nor did I initiate any transaction or application with these institutions. 

I kindly request that you investigate these inquiries and remove them from my credit report they are unauthorized. Enclosed, I have included the following documents to assist with your investigation : Please complete your investigation within the legally mandated 30 days and provide me with written confirmation of your findings and any actions taken. 

Thank you for your prompt attention to this matter. Should you need any additional information or documentation, please do not hesitate to contact me at ( XXXX XXXX XXXX XXXX XXXX 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: 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 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.Im

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: CO

Complaint narrative:
Zelle has been completely unhelpful in my dispute reports beginning in 2020 to recently. I was unsure of a few charges and they did not investigate, they simply said they were sorry and there was nothing they could do. I later heard of the CFPB lawsuit and their reports and issues with Zelle. I feel that Zelle is allowing scammers and hackers to use their site and get away with defrauding consumers.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
TSYS Im led to believe is responsible for my accounts being put into the negatives Ive contacted them and they said they dont know why I would be seeing any charge from them. Ive be searching every where to let this be known. Im not sure if there was a data breach or what but my money has been took also my moms accounts

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: NC

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 Zelle. 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: 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: MI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2025-01-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This Debt Collection Agency, Caine & Weiner Company is trying to collect money from me for a debt amount {$880.00} from XXXXXX/XX/year> i do not owe this debt. This debt is old and being falsely reported by this collection agency to the credit bureaus. This Company will not get money from me with the tactic they are using to hurt my credit. I will report this company Caine & Weiner to the State and Federal government for violations of compliance laws.

Company response to consumer: Closed with explanation