vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under 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 accounts, as Experian inactions violates federal laws 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ) and my rights as a consumer. These are the accounts XXXX XXXX XXXX Account # XXXXXX/XX/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX XXXX Account # XXXX XXXX XX/XX/XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Account XXXX XXXX Under 15 USC 1681e ( b ), you are required to ensure the maximum possible accuracy of the information reported. However, the accounts listed above contain errors, are unverifiable, or fail to meet this standard. 
Additionally, under 15 USC 1681i ( 5 ), Experian is required to notify me of reinsertion and provide the necessary certifications. This has not occurred.

The Consumer Financial Protection Bureaus ( CFPB ) recent lawsuit against Experian demonstrates systemic issues with your investigation processes, reinforcing my concerns about the mishandling of disputes. Failure to conduct proper investigations violates 15 USC 1681s-2 and deprives me of 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 2025-01-15 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 these 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 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: 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 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

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 right 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 2025-01-15 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: Experian Information Solutions Inc.
State: MS

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 2025-01-15 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: Experian Information Solutions Inc.
State: CA

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

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: 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. 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 2025-01-14 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: MI

Complaint narrative:
Experian has failed to 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 adequately to notify consumers of dispute outcomes. These failures align with experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action 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 2025-01-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AZ

Complaint narrative:
I made my payment for my loans on XX/XX/year> the day they were due. I received a confirmation email as soon as I submitted my payment. On XX/XX/year> I was informed, thorugh email, that my payment was late since they never received it. However checking my banking account I found that the exact amount was taken out but when I checked my Mohela account it says that it is processing.

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: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
XXXX XXXX account # XXXX routing # XXXX XXXX money was taken out of my account from Zelle that I didnt authorize

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.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: 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.

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 service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ) I am writing to formally lodge a complaint against Zelle and its member financial institutions for inadequate consumer protections, particularly in cases involving unauthorized transactions and fraud. 

I have concerns that Zelle 's current policies and practices fail to sufficiently safeguard consumers from fraudulent activity and unauthorized transactions. This is particularly troubling given the platforms widespread adoption as a peer-to-peer payment service integrated with XXXX XXXX XX/XX/XXXX. Specific concerns include : Lack of Fraud Protection, Zelles dispute resolution process appears to place an undue burden on consumers to prove fraudulent activity, with several cases resulting in denied claims for reimbursement. This contrasts with protections provided for credit card transactions under Regulation E of the Electronic Fund Transfer Act ( EFTA ).

Additionally, Zelles platform provided inadequate security measures leaving consumers vulnerable to scams and unauthorized transfers. Consumers are ofter left without recourse when funds are sent to fraudulent accounts despite reporting the incident promplty with adequate information. The Marketing measures and materials for Zelle imply that their service is safe and secure, however these representations do not accurately reflect the risks consumers face when using the platform, particularly in the context of scams or phishing schemes.

This lack of consumer protection is causing significant financial harm and eroding trust in the U.S. banking system. Many consumers, have lost money through Zelle transactions and have been denied adequate assistance or reimbursement from Zelle or the affiliated financial institutions.

I urge the CFPB to look into this matter by thoroughly investigate Zelle 's compliance with EFTA and Regulation E, particularly regarding unauthorized electronic fund transfers, Mandate enhanced fraud prevention measures and transparent reporting practices to Zelle and its member banks. Require Zelle to implement a more consumer-friendly dispute resolution process and provide refunds for such fraudulent transactions.

Furthermore, ensure Well updates its marketing materials to accurately reflect the risks associated with using the platform, consumers deserve a payment system that prioritizes their safety and offers meaningful resources in cases of fraud or error. Consumers should not bear the burden of Zelle 's lack of accountability and insufficient fraud protections. 

Thank you for your attention to this matter.

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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXXTHIS IS NOT A DUPLICATE REQUEST *** XXXX  XXXX XXXX XXXX has continued to report inaccurate information on my credit report. This account was discharged and paid through a Chapter XXXX Bankruptcy in XXXX I have disputed this account with XXXX XXXX XXXX XXXX XXXX XXXXXXXX when it was XXXX in XX/XX/XXXX. This debt has showed up derogatory it is XXXX in a bankruptcy and should not be on my credit file. I have provided many documents to Experian and they have violated the FCRA LAWS

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: 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. The 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: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NAVY FEDERAL CREDIT UNION
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Subject : Request for Verification of Debt Acct Number XXXX Dear Credit Control I am writing to formally request verification of the debt referenced in your recent communication regarding account number [ Your Account Number ]. In accordance with 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I request the following information : XXXX. **Original Contract** : A copy of the original contract or agreement, including my signature, that establishes my obligation to pay this debt. 
XXXX. **Payment History** : A detailed payment history for the account in question, including dates and amounts of all payments made. 
XXXX. **Proof of Ownership** : Documentation that verifies your ownership of the debt. 
XXXX. **Verification of Original Debit** : Any documentation that verifies the original amount owed and any subsequent charges or fees. 

Please provide this information within XXXX  days of receiving this letter. Until this verification this verification, I request that you cease all collection activities related to this debt. 
In addition, I hereby request that you cease all collection activities related to this debt until the requested information is provided. If you choose to continue collection efforts without providing the requested documentation, I will have no choice but to consider legal action against your company for violation of my rights under the Fair Debt Collection Practices Act. 

This letter serves as a formal notice of my intent to pursue legal remedies if you fail to comply with this request. Please consider this a cease-and-desist request for all collection activities until the requested verification is received. 
I expect your response within XXXX  days of receiving this letter. Thank you for your prompt attention to this matter. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
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 recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering. My last funds was impossible and tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected protected consumers but has also let repeat offenders to exploit the system, leaving userss vulnerable to scams. The lack of accountability transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation