vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 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, customer-provided evidence to furnishers accepting unreliable responses and failing to adequately notify customers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing harm in my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as, Experians inaction violates federal law and my rights as a customer

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 2025-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
When sending money to people did not ask me if I was sending it to the correct person prior to sending it. Once the money was sent there was no way to recover it if sent to the incorrect person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one promised a certain percentage rate for savings account and failed to hold their end. Percentage savings way less than promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: TX

Complaint narrative:
I received a call from a phone number that was directly linked back to XXXX. A person answered and asked me if I was aware of fraudulent activity on my account. This person gave me details about my XXXX account all of the transactions that I had I was able to see him read it back to me while I open my app all current transactions he told me that they were trying to take money from my Zelle account and they had made a transfer when I opened my account it showed on there so he told me in order to get it back to your Chase account. You have to Zelle back your money to your XXXX account which was around {$1200.00} and whenever I did that the phone call was disconnected. I reached out to XXXX XX/XX/XXXX and they told me they could not do anything about it because I authorized it. I then discussed with them how they were able to get all of my information from my XXXX account which was supposed to be protected. He said that hes not sure what I was talking about. I told him that this person had access to my XXXX account and all of my transactions and information and he said that there was nothing I could do about it. He opened up a claim they returned my money, then the claim close and they took back the money and then suspended my Zelle account. I was left with a XXXX dollar balance in my XXXX account for a good while.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Credova Holdings Inc
State: KY

Complaint narrative:
The website is attached to other companies and credova advertise as interest-free when making a certain number of payments as well as XXXX month financing. And when signing up the contract that is drafted, The company tells you towards the end that you are leasing a product and is not financing. That will tell you how many months what's the minimum payment and how much it would be at the end of term. Which doubles or triples the price of the product. Making the bio option extremely short and hard to understand how the buyout option works. after talking with XXXX representatives trying to explain it to me. A {$400.00} purchase basically ends up being a {$900.00} purchase if paid to term And if you were to buy out early the bio option is of XXXX XXXX of the total {$900.00}. Which is very misleading leaving people no choice but to pay that XXXX XXXX of the total price. The representatives were no help to even though I was to pay the {$400.00} I will still owe an additional {$200.00}. The contract is difficult to understand and not easy to read which tricks people to sign up. XXXX of the issues I have is how they got the total number of how much you owe. Due to normally when you lease or find out something it's for the price of the product which in the contract after talking with both representatives they basically said the same thing that leasing is different from financing and that that XXXX something dollars. Is the price they came up with to determine how much they want to finance it to you which to me it seems like a random number that is triple the price of the item where the issue comes up is if the product you're buying is not something that's returnable because they said you're borrowing The issue is The representatives said you are borrowing this product and you can return it at any time. If you get anything that is consumable or XXXX time use or can not be returned you are forced to pay that total amount for example ammunition or certain XXXX parts that after used they can not be returned. Forcing people to pay triple the amount of what the product cost. As a XXXX time user of this company I am extremely unsatisfied being left feeling like I have been scammed due to the fact of the verbiage being used in the contract not being straightforward even after reading the contract multiple times afterwards it's still not clear. Feeling like the change the terms to leasing from financing what it stated before trying to get as much of money out of XXXX possible.

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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of a disputed information on 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: 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 XXXX Credit Report XXXX ( 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 XXXX 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: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
In XX/XX/year>, I paid off my XXXX account in full, ended my XXXX year contract and I believed the account was settled. However, XXXX has recently claimed that I still owe money on this account, {$1700.00}. XXXX claimed I owed them money from a phone but I showed proof that I had brought my own phone to XXXX. I contacted XXXX to request proof of the alleged debt, but I did not receive any response from them. Despite my efforts to resolve the issue, the company has sent me to collections, JEFFERSON CAPITAL SYST, and has not provided any documentation or details supporting their claim that I owe an outstanding balance. This situation remains unresolved, and I am seeking assistance in obtaining the necessary proof to confirm or dispute the debt.

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 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 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 2025-01-14 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: CA

Complaint narrative:
On XX/XX/year> {$2000.00} was sent to the wrong contact. Tried contacting Zelle and chase but was told once you sent the money there is no way to undo the transaction.

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 XXXX handling of disputes, in light of the recent CFPB lawsuit highlighting specific issues with the platform. Despite using zelle many times and reporting discrepancies, my bank and zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking them was also impossible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenses leaving users vulnerable to scams. This lack of accountability and transparency raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-14 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: MD

Complaint narrative:
Called and made complained to company several times on various dates. The company did not do anything to resolve my concern. Company employees were very rude and disrespectful. Supervisor and mangers were never available. I would constantly be disconnected, or experienced longer than usual wait times before reaching someone to express my concerns

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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligations 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 ) recently filed a lawsuit against Experian, alleging systemic issues, including 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, as Experian has neither corrected nor removed the 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 XXXX inaction violates federal law and infringes on 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: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One kept me in a low interest savings account when interest rates were rising and they created another savings account with accurate interest but didn't automatically move me in to it. They didn't even tell me about it. I discovered it and eventually moved my money on my own, commenting to customer service that this was not right that they didn't tell me about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XXXX XXXX, I tried to Zelle somebody I Knew {$850.00} but by mistake Zelled her old number, When I contacted XXXX  they told me they couldnt do anything about it! I never got that 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 — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: SC

Complaint narrative:
I am writing to formally express concerns regarding XXXX handling of disputes, particularly in light of the CFPB lawsuit highlighting significant amount of issues with the platform. Despite using Zelle numerous of times & reporting discrepancies, my financial institution & Zelle failed to investigate my claims adequately. The informed me of the recovering lost funds & the tracking was unfeasible.

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: KS

Complaint narrative:
Zelle is truly concerning- its handling of disputes, which is being put in light by the recent CFPB lawsuit, brings forward the multiple issues with the platform. I had a couple instances where I reported issues with Zelle and to my bank regarding transactions that were never investigated properly. I was simply informed that recovering lost funds impossible and that tracking these transactions was infeasible. The CFPBs has found that Zelle has not only neglected to protect consumers but has also allowed repeated 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: 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 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 l 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
When Zelle first started they never put it on the page to make sure you were sending it to the correct person so time back I sent it to the wrong person and they wouldnt reimburse me

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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
The payment status on my credit report inaccurately reflects consecutive XXXX late payments for the same account across all three credit bureaus : TransUnion ( XXXX, XXXX, and XX/XX/year> ), XXXX ( XXXX, XXXX, and XX/XX/year> ), and XXXX ( XXXX, XXXX, and XX/XX/year> ). This information is incorrect, as the payment status for this account was current and paid on time during these months. I request that all inaccurately reported late payments be deleted and the status be updated to " Paid on 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 2025-01-14 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: ID

Complaint narrative:
XXXX XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. After your re-investigation this account was still not fixed. So I XX/XX/XXXX I pointed out that this account still shows charged off every month from XX/XX/XXXX until XX/XX/XXXX. An account can only be charged off XXXX time, not XXXX times. After you sent the results this still was not fixed. In addition to that error I would also like to point out that you are not showing my current balance as XXXX, even though I have paid this account in full. This is highly injurious to my credit, it undermines the faith in the credit reporting system, and against the FCRA statutes. Due to the repeated mistakes and omissions on this account after multiple investigations, I am demanding a deletion of this account. Failure to comply with this demand within the specified time frame will leave me no choice but to pursue legal remedies, which XXXX include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.

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