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: NM

Complaint narrative:
I am formally writing to express my regarding Zelles handling of disputes, particularly in light of 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 lost funds were impossible to recover and trying to track 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 us users vulnerable to scams

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I've contacted Procollect Incorporated multiple times to resolve this matter, which had lead me to sending them a cease & desist. Still they're calling my phone and updating/reporting to my credit report. 
The FDCPA defines communication as the conveying of information regarding a debt directly or indirectly to any person through any medium. Reporting a disputed debt to a credit bureau without proper validation is considered a form of communication and therefore, violates the FDCPA. This is supported by the case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where the court ruled that reporting agencies are indeed a form of communication under the FDCPA.

I've requested verification, method of verification/validation & proof of debt and still haven't received all information that was requested. I've never signed a contract with ProCollect Inc.

A Cease & Desist was mailed to them 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: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX my phone 's XXXX card was reassigned by my provider - XXXX XXXX, to another phone without my knowledge or permission. At the same time my XXXXXXXX XXXX information was hacked. In the next XXXX all my financial accounts ( Checking, Credit Cards, Phone, XXXX, XXXXXXXX XXXX  - were affected by fraudulent activities. The unknown number of on-line credits were created. Multiple tickets to XXXX XXXX purchased using my information. The total amounts of fraudulent transactions approximately XXXX XXXXXXXX at least. XXXX  credit report, Police report, IC3 report, Fraud alert to all affected institutions done.

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: NV

Complaint narrative:
am writing to express my concerns about how Zelle handles disputes, especially following the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit, which highlights serious issues with the platform.

Despite using Zelle several times and reporting discrepancies, both my bank and Zelle have failed to properly investigate my claims. I was told that recovering lost funds was impossible and that tracking the transactions was not feasible. This lack of action is troubling and leaves users vulnerable to scams.

The CFPBs findings show that Zelle has not done enough to protect consumers and has allowed fraudsters to take advantage of the system. This is unacceptable, and I believe immediate changes are needed to improve security and accountability.

I urge you to take steps to address these issues and provide better protection for users.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ,. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXX XXXX XXXX XXXX XXXX, tx XXXX incorrect employer : 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: 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. The following personal information is inaccurate, please remove XXXX XXXX XXXX XXXX XXXXXXXX, tx XXXX incorrect employer : 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: Wrong amount charged or received — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
A relative had sent money to me and confirmed the amount and time, she had called me to confirm if it was received and it wasnt. I called Zelle and they said that there were two accounts with my name. There wasnt and they werent able to confirm where the money had gone to. Ive tried fighting it and spoken to 3 representatives. No one could provide me with any information so I discontinued the service and never received the money

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: LA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite of having sufficient funds when transaction was authorized, I was charge fees due to lagged posting of charges and credits. This issue aligns with CFPB against Navy Federal Credit Union with similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices is 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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
Paypal legal team finally went over venmo head and semi correct a issue they were denying a dispute for {$1000.00}, that venmo owed to my account that their dispute team was fraudulently denying disputes for after making me sign a document after I filed an arbitration against Venmo, they never allowed me to retrieve the funds they are using their card they made me transfer the money out of the account to another card from which left errors for the XXXX attempts I tried then they tell me that it was sent to the account from which i still have yet to receive then after sending them the account history and after I ask them for a provisional credit they deny me to get the money that is owed to me and they refuse to correct this issue by fraudulently denying disputes again the account they transferred my money to was not my account and and i have told them several times and since i have not received my funds and they refuse to correct this and all they are doing is fraudulently denying disputes just as before and they should know a arbitration is filed and they're going to pay for the damages all of this has caused ... Venmo needs to hire another dispute team cause those characters will cost Venmo/Paypal a lot of money when they get here with their class suit from the way they fraudulently denied disputes that should have been approved..luckily I didnt get to stop the arbitration until those funds got in my pocket ... ... .but they posted my money into someone else 's account

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 missing disclosures — 
Company: Early Warning Services, LLC
State: DE

Complaint narrative:
Ive been sending money via Zelle through XXXX XXXX XXXX XXXX XXXX  for years

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 raise concerns about Zelle 's approach to handling disputes, particularly in light of the recent lawsuit filed by the CFPB, which has uncovered significant problems with the platform. Despite using Zelle multiple times and reporting discrepancies, both my bank and Zelle have failed to adequately address my claims. I was told that recovering lost funds was not possible and that tracking the transactions was unmanageable. The CFPB 's findings suggest that Zelle has neglected its responsibility to protect consumers and has allowed repeat offenders to take advantage of the system, leaving users vulnerable to scams. As a young person who worked for my money. I had to close my account about 2 times due to unauthorized transactions as well as zelle payments. They took money for me that I wasnt able to get back and still trying to recover from. This absence of accountability and transparency is unacceptable and raises significant concerns regarding consumer safety.

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 is not yours
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
This letter serves as a formal dispute regarding the account referenced above. I believe the information you have reported to the credit reporting agencies is inaccurate or unverifiable, and I request a thorough investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and a validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specific Dispute Points Proof of Debt Ownership : I demand you provide concrete evidence that you have the legal right to collect this alleged debt. This includes : A copy of the original agreement or contract signed by me with the original creditor. 
A full accounting of how the balance of {$730.00} was calculated, including interest rates, fees, and any other charges. 
Documentation showing the chain of custody or assignment of this debt from the original creditor to your company. 
Accuracy of Reporting : The information you have provided to the credit bureaus, including the balance owed, the date of first delinquency, and the account status, appears inconsistent and possibly incorrect. I request verification and documentation to substantiate these details. 

Date of First Delinquency ( DOFD ) : The date of first delinquency is critical in determining the reporting period for this debt under the FCRA. Provide documentation confirming the precise DOFD from the original creditors records. Any failure to report this date accurately may lead to improper credit reporting practices. 

Original Creditor Information : Under the FDCPA, you must provide the name and contact information of the original creditor. Please include this information in your response. 

Legal Notice Be advised that failing to validate this debt or provide accurate information will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals office. Furthermore, any continued collection activity on an unverified debt violates the FDCPA, and I reserve the right to take legal action to enforce my rights under federal law. 

Thank you for your prompt attention to this matter. I look forward to receiving the requested information. 

Sincerely, 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: NAVY FEDERAL CREDIT UNION
State: WI

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union 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 Navy Federal 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 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: 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: RI

Complaint narrative:
Experian has failed Its legal obligation under the fair credit act ( FCRA ) two conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable account unresolved. The consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward, consumer-provided evidence to furnishes, excepting unreliable responses, and failing to adequately notify consumers of dispute outcome. These failures align with my experience. Where Experian has neither corrected or 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: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Charges that are not mine as well as charges that should be removed as well as charges that are inaccurately reported. And finally. many violations of the FCRA.

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 over Zelle handling and disputes, partially in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle various times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the funds was impossible. I feel betrayed bc I really trusted Zelle with my money. This is unacceptable and raises 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: FL

Complaint narrative:
I am writing to formally express my concerns regarding 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 institution and Zel failed to investigate my concerns adequately. They informed me that recovering loss funds was 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
I'm writing to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB complaint that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money. According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud.i was told nothing could be done to help me solve my problem

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 disputed items despite the evidence | 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 — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
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.

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: FL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation