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: 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
Zelle has not provided me with any warnings that I would not be reimbursed money that I accidentally sent others back until fairly recently. They have made no efforts to reverse transactions sent to the wrong recipient and have done little to prevent this from happening again.

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 — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXX between the XXXX I thought I sent my dad XXXX XXXX and I turns out it wasnt his phone number and we didnt know I called the person and they never answered I called chase and I tried to make a complaint and they said there was nothing they could do because I approved the money sent I tried to make a police report and they said there was nothing they could do as well and I never got my XXXXXXXX XXXX  I did however request the money back from the number I XXXX  it to on XX/XX/year> and I never received any money back

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: AL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX I XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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: TN

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, myXX/XX/XXXX 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: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelles dispute resolution process, particularly in light of the recent CFPB lawsuit that highlights significant shortcomings within the platform. Despite frequent use of Zelle and reporting discrepancies, my claims were not properly investigated by either myXX/XX/XXXXor Zelle. I was informed that recovering lost funds was not possible and that tracking these transactions was unfeasible. The CFPBs findings reveal that Zelle has failed to protect consumers and has allowed repeat offenders to exploit the platform, leaving users vulnerable to fraud. This lack of accountability and transparency is deeply concerning and raises serious questions 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 XXXX XXXX  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: 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, myXX/XX/XXXXand 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 Zelles handling of disputes, particularly in light of of recent CFPB lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies myXX/XX/XXXX and Zellefailed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions would be infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Experian did not correct my disputes that were wrong

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding zelle handling of disputes particularly considering recent CFPB lawsuits highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies my XX/XX/XXXX 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: 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 XX/XX/XXXX 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: AL

Complaint narrative:
I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that exposed significant shortcomings in the platform. Despite using Zelle frequently and reporting transaction discrepancies, neither myXX/XX/XXXXnor Zelle conducted a thorough investigation into my claims. Instead, I was informed that recovering the lost funds was impossible and that tracking the transactions was not feasible. The CFPB 's findings reveal that Zelle has not only failed to protect consumers but has also enabled repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling 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 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, myXX/XX/XXXXand Zelle failed to investigate my claims adequately. 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have been aXX/XX/XXXX these inquiries do not belong to me, they are reporting wrongfully on my credit file. 

inquiries - XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> XX/XX/XXXX XX/XX/year> XX/XX/XXXX XX/XX/XXXXXX/XX/year> THESE DO NOT BELONG TO ME I HAVE BEEN A XX/XX/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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have been aXX/XX/XXXX these inquiries do not belong to me, they are reporting wrongfully on my credit file. 

inquiries - XXXX OF XXXX XX/XX/year> XXXX OF XXXX XX/XX/year> ODE XX/XX/year> XX/XX/XXXX XX/XX/XXXX XX/XX/year> THESE DO NOT BELONG TO ME I HAVE BEEN A XX/XX/XXXX

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 I provided, causing ongoing harm to my crea 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Certified mail was received onXX/XX/XXXX-2021 by ( debt collector ) requesting validation of debt. They responded with medical records, a DIRECT violation of HIPAA regulations. 
Not only did these documents have procedures and/or medications received, it also contained my SOCIAL SECURITY NUMBER with NO security measures taken. I NEVEF signed a HIPAA form authorizing access to any such medical records

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Report 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 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 accounts, as XXXX inaction violates federal law and my rights as a consumer.

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: MD

Complaint narrative:
**What happened? ** On XX/XX/XXXX, I sent a {$100.00} Zelle payment through my XXXX XXXX account. Unfortunately, the payment was sent to the wrong recipient due to an error. I immediately contacted XXXX XXXX 's customer service to report the issue and requested assistance to stop or reverse the transaction before it went through. 

At the time, the payment appeared to still be pending, so I expected the bank to take action to prevent the funds from being sent. However, the representative I spoke with told me there was nothing they could do and blamed me for the mistake. 

It is extremely frustrating that, despite my quick action, no effort was made to resolve the issue. I believe XXXX XXXX should have taken more responsibility in assisting with this situation and provided better support. I am requesting a review of this matter and assistance in recovering my {$100.00}.

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 — Banking errors
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I made a deposit to the ATM for Chase Bank in XXXX, WA on XX/XX/XXXX, after XXXX. I deposited XXXX checks, XXXX for {$150.00} and XXXX for {$2.00} XXXX. The check for {$150.00} was processed and deposited correctly, but the check for {$2100.00} was not. The first was an expense reimbursement check from my previous employer, the second was my final paycheck. The first check has an image available for review online while the second check has an error message and can not be viewed as of XXXX XX/XX/XXXX. 

I received an internal account message Saturday ( XX/XX/XXXX ) morning telling me there was an issue with the deposit due to empty signature fields. Today, XX/XX/XXXX, I discovered the check for {$2100.00} was rejected altogether and the funds were removed from my account. I immediately called the bank and spoke to a customer service representative who alluded to there being an issue with the ATM and not with the check itself. They informed me I could wait 7-10 business days for an alternative replacement check for deposit at Chase, or to have the original issuer cancel payment and reissue a new check. I then went to the bank branch in XXXX, WA, to speak with a manager who informed me of the same XXXX options and said those were my only courses of action. I left to visit my previous employer in XXXX, WA, to have them cancel payment ( which they did ) and will reissue me a new check as soon as Thursday XX/XX/XXXX or next week, XX/XX/XXXX. I spoke with a customer representative again after I got home to make sure these were my options and requested to see the photo of the check. I also asked at the bank branch and in the first phone call to receive a photo of the missing check image and have not received one, though they informed me they have it and confirmed that it was an error with the ATM to begin with. 

I can not stress enough that this is my final paycheck and I will not be paid again for nearly a month. I was expecting this check and relying on it until I get paid again to make my rent payment, buy groceries, and live my life. Until then I can not afford to make any choices and can not effectively transition into my new job. I am currently panicking and anxious as this could cause me grave consequences if I do not get my final paycheck.

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 you to formally express my concerns regarding Zelle handling of disputes particularly in light of the recent CFPB lawsuits, highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me recovering lost funds were impossible, and tracking these transactions were unfeasible the CFPB finding that Zelle has not only neglected to protect consumers and also allow repeat offenders to exploit the system leaving users, vulnerable to scams the lack of accountability and accessibility is unacceptable and raises serious concerned about consumer safety.

Company response to consumer: Closed with explanation