vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well I heard a XXXX lawsuit was being out and wellsfargo has a habit of abusing its customers when you send money through XXXX if its the wrong person they cant help you even sometimes when you send the money to the correct person and XXXX is suppose to be instant the person doesnt receive the money and it says pending on your end its happened to me before. They try to tell you the person youre sending money to doesnt have XXXX but their information would not have popped up if they didnt have XXXX I know because Ive had to reenroll before because my XXXX wasnt popping up. To mention the crazy amount of late fees wellsfargo charges irs ridiculous.

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 card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have several credit cards operated by Synchrony Bank, and their behavior appears to be a deliberate strategy to negatively impact customers like me. Initially, they lure you in with a high credit limit, but after a year or twodespite never being late on payments or having any delinquenciesthey drastically lower the credit limit to almost nothing. This isnt just an inconvenience ; its a calculated move that has far-reaching consequences. 

By slashing my credit limit, Synchrony Bank has artificially inflated my debt-to-credit ratio, pushing it above 30 %. This has triggered other creditors to follow suit, further compounding the damage to my credit profile. As a result, Ive been denied low-interest rates, which has significantly increased the cost of my mortgage and other credit card payments. Synchrony Banks actions have effectively ruined my credit history, despite my responsible financial behavior. 

When I reach out for help, their response is dismissive : Just apply for a credit limit increase. But they never approve the increase, leaving me stuck in a cycle of financial damage they initiated. This pattern of behavior feels intentional, and its harming loyal, responsible customers who trust them to act in good faith.

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 concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with this 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 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX 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 XXXX, 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 XXXX 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 '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 non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Verification of debt is fraudulent Harris and Harris XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TX

Complaint narrative:
Zelle has proven to be an unsafe payment platform, as it lacks sufficient safeguards to protect users from fraud and unauthorized transactions. Unlike credit card payments, Zelle transactions are instant and irreversible, which makes it an attractive target for scammers. Many users have reported being tricked into sending money to fraudsters, with little recourse for getting their funds back. Banks that support Zelle often fail to take adequate responsibility for these issues, leaving victims without proper assistance or compensation. The systems lack of consumer protection creates a significant vulnerability, especially for those who aren't aware of the risks or how easily fraud can occur

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: DISCOVER BANK
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. I lost out on money and my checking account was closed by the bank due to this. I was blocked from using XXXX even when it was not my doing. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX 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 XXXX 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: LA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFBP 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 infeasible. The. CFPBs findings indicate that Zelle has not only neglected to protect consumers but has 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 — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX I have never lived in XXXX, IL, could be identity theft. 

To whom it may concern, XX/XX/year> 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 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX I have never lived in XXXX, IL, could be identity theft. 

To whom it may concern, XX/XX/year> 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 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: CA

Complaint narrative:
I am writing this to formally express my concerns regarding Zelles handling of disputes. partically in the light of the recent CFPB lawsuit. Zelle and my financial institution failed to investigate my claims adequately. They informed that recovering lost funds was impossible. The CFPBs findings has found that indicate that Zelle has not only neglected to protect customers but has also 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: NC

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 impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
For YEARS i've initiated disputes with Experian regarding a collections account that should not be on the credit report ( XXXX XXXX XXXX ) as well as a charged off accounts that should no longer be reporting ( XXXX XXXX XXXX  ) and XXXX XXXX XXXX , despite the fraudulent and inaccurate nature of these accounts Experian has knowingly reported this information and has even allowed these companies to falsify dates and balances. These unruly practices have caused me severe harm and multiple denials. Experian has disregarded all proof i've supplied regarding these accounts and have continued to report the inaccurate information as truth.

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: GA

Complaint narrative:
I sent {$1000.00} to the wrong person. I realized within a second but was unable to cancel it. I called my bank, XXXX XXXX XXXX right away but they stated they couldnt stop the transaction. 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 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 tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.

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

Complaint narrative:
Ive reached out to Experian at least 14+ times over the duration of the past year. Ive been trying to get inquiries removed from my credit report. These inquiries are from auto dealers who ran my credit multiple times without my permission and knowing. Ive contacted Experian on numerous occasions trying to explain that Im receiving 3 to 5 inquiries in a session of trying to purchase a vehicle. Im aware that if I contact Experian they are to assist me with the removal of these inquiries, especially if Im informing them they were not authorized by me the consumer. Instead of replying to my dispute letters, they email me back stating they feel as if they may have received a dispute sent in by a 3rd party on my behalf. Experian sends this same automated email following every dispute Ive filed in the past 6 months. 

This is outrageous, especially if Im disputing from their website dispute center as well as mailing in correspondences and sending the information thru the CFPB. There is no way you can say you feel as if my request were sent by a 3rd party. I am filing this formal complaint against Experian due to their repeated failure to address my requests for the removal of unauthorized credit inquiries from my credit report. I have contacted Experian multiple times over to dispute these inquiries, but they have ignored my requests, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681b, credit inquiries must have a permissible purpose. The inquiries in question do not meet this criterion, and despite submitting disputes with clear documentation, Experian has failed to properly investigate and remove them. This neglect has caused significant harm to my credit profile and overall financial standing.

My credit report is currently showing 25 inquires, most are within the same month period from numerous car dealerships and banks, attempting to run my credit for the same exact thing. A car purchase. I have made repeated attempts to resolve, but Experians responses have been either inadequate or nonexistent.

The CFPBs recent lawsuit against Experian for conducting sham investigations into consumer disputes highlights systemic issues within their handling of disputes. My case aligns with these allegations, as Experian has failed to meet its obligations under the FCRA to conduct thorough investigations into disputes and ensure accurate reporting.

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: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
TRANSWORLD SYSTEM is the debt collector name for XXXX XXXX for a total of XXXX I use to live at XXXX XXXX and a new company purchased it as I was ending my lease during the process of me ending my lease a large amount popped up on my account I went to the main office and they corrected it for me before I moved out I made sure that I owed a balance of XXXX dollars I paid everything that needed to be paid and turned in keys once I moved out I guess the new company came in I dont know how things that screwed but I checked my credit report and I see that I owe I did go back to XXXX  XXXX for them to correct the mistake but the management and the people that was there during my time was gone and the new management and the new workers were in so no one was able to fix 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 — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am m writing my complaint against Zelle regarding the handling of Zelles way of dispute especially in the recent events particularly of CFPB lawsuit which has shown light on recent problems with the platform of Zelle and the feeling of uncertainty of sending money to people. and recently highlights of Zelle, not protecting and helping consumers the way they should be. Which has been allowing numerous of offenders to make consumers feel unsafe and uncertain, and to be able to exploit the system.

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 — Credit inquiries on your report that you don't recognize
Company: MOHELA
State: SC

Complaint narrative:
Everything on my credit report is wrong and they wouldnt fix it. I tried disputing it and they wont dispute it. My father got a card in my name they wouldnt take that off my account. 
XX/XX/year> account open, {$390.00}, & a charge off on my account that I didnt do or sign up for,

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
Everything on my credit report is wrong and they wouldnt fix it. I tried disputing it and they wont dispute it. My father got a card in my name they wouldnt take that off my account. 
XX/XX/year> account open, {$390.00}, & a charge off on my account that I didnt do or sign up for,

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: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a scam transaction made on XX/XX/year>. I was scammed {$1000.00} from my chase checking account. I contacted chase the day the transaction was made and because the money was sent through XXXX they were unable to assist. I contacted XXXX and they said since the money was already transferred I was unable to get back my {$1000.00}.

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

Company response to consumer: Closed with explanation