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: AL

Complaint narrative:
I am writing to formerly express my concerns regarding Zelle handling of disputes properly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial Institute is Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these funds 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 userss vulnerable to scams this lack of accountability is unacceptable raise this serious concerns for consumers 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 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 was impossible and tracking these transactions was unfeasible. The CFPD 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 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: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Transferring funds via XXXX the funds being undeliverable to the correct party and trying to receive funds and the amount not being delivered to me.

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: NJ

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 XXXX XXXX allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Which I was a victim of back in 2021 and XXXX was unable to assist

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: FL

Complaint narrative:
i have been a victim of identity theft these inquiries do not belong to me, they are reporting wrongfully on my credit file. 

inquiries - XXXX XXXX XXXX  XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> THESE DO NOT BELONG TO ME I HAVE BEEN A VICTIM OF IDENTITY THEFT

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

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFB '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 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 service problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am writing to express my concern for the money transferring feature : Zelle in regard to the handling of disputes ; particularly in light of the recent CFPB lawsuit highlighting many issues with the platform. Despite using Zelle a numerous amount of time and reporting discrepancies, my financial institution and Zelle failed to look into my claims adequately. I was informed that recovering lost funds was impossible, and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and has allowed repeated offenders to exploit the system which in turns leaves users vulnerable to scams. The lack of transparency and accountability is unacceptable and raises many concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: TX

Complaint narrative:
I received a letter today, XXXX, from XXXX, Credit Control LLC that a delinquent account was turned over to XXXX XXXX XXXX ( XXXX ) for collection from XXXX XXXX XXXX XXXX XXXX XXXX ). The amount due is {$1000.00}. I have NEVER opened an account with XXXX XXXX XXXX XXXX. I have been a customer of XXXX XXXX for XXXX  years at my current address.

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: NV

Complaint narrative:
I am writing to formally express my concern regarding XXXX handling of disputes particularly in light of the CFPB Lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times And reporting discrepancies My financial institution XXXX failed to Investigate my claims adequately. They Informed me that recovering any lost funds was Impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but had 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: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I was having this on going issue with fraudulent activity, and kept law enforcement involved the entire way. My twin brother was a drug addict, I informed and warned my bank of this, and he succumbed to his addiction in XXXX of 2024. 
I have offered up proof countless times. They aren't willing to accept it. 
Today at XXXX XXXX  they closed my account without warning, I get that is within their rights, without notice and with all my money in said account. They are now stating that they will hold my funds for XXXX  days incase open disputes return negative, or pending charges are taken out. 
All my pending charges are posted, and I had nearly XXXX in the accounts. This amount far surpasses any open claim, I don't think there are any, and I have no bills paid out of it. 
For them to keep my funds as a punish for what? I should be issued a check for at least half of my money the full amount is not called for. 
This fraud is a product of their lacked approach at verification, and my brother was able to take advantage of that.

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: NY

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 nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate and corrective action to remove or amend the dispute 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: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Was scammed through Zelle on XX/XX/year>. 
Contacted my bank, XXXX XXXX XXXX and they were unable to recuperate my scammed funds.

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 Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting 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 scam. 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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX Birthdate : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Phone Number : ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Experian : I am writing to dispute the following information that appears on my Experian consumer report. 
Dispute XXXX : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, MA XXXX Account name : XXXX XXXX XXXX  Status : Paid, Closed Date Opened : XX/XX/XXXX Explanation of item being disputed : Account was established wrongfully after receiving an online quote. I called in to ensure account was terminated and was advised that it would be closed. However, it remained open and company continued to request payment unbeknownst to me. I paid the balance shortly thereafter, however, it remains on my report. 

Dispute XXXX : XXXX Account number : XXXX Account Type : Utility Date Opened : XX/XX/XXXX Status : Paid, Closed Explanation of disputed items : XXXX charged me wrongfully stating that I did not return internet router. Router had been returned, however, they continued charging me for unreturned item, which went into collections in XX/XX/XXXX per the report. 

Dispute 3 : XXXX Account Number : XXXX Status : Open since XX/XX/XXXX Account Type : Credit Card Explanation of Dispute : Creditor submitted that I had a late payment in XX/XX/XXXX where my payment was XXXX  days past due. I am in good standing and have had no other late payments. I do not recognize this late payment as I have paid on time for the life of the account.

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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Problems with XXXX money transfer, receiving and sending out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer saftey

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
XXXX charged a balance after ending service with them. All bills have been paid and all equipment returned in store per instructions when ending service with them. XXXX generated, reported and sent to XXXX account XXXX XXXX  agency from XXXX XXXX XXXX so mistakenly and without my understanding. I spoke with XXXX, and confirmed that amount charged was in fact paid, and they admitted their mistake and removed balance. They have also assured me that XXXX Account XXXX would delete collection account from my credit report, which they have not. Instead, they have just changed status of collection account to balance paid balance : {$0.00} ) and account closed. XXXX Ticket ID : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing 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 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 and I'm really worried for mine.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
For almost a year I have asked Experian to investigate a collection on my account. I have a previous filed complaint with the CFPB from XXXX of XXXX. Experian did not investigate the collection properly which cause my credit to decline and me being rejected from apartments and loans.

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: 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 of 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 the tracking these transactions was infeasible. The CFPBs findings indicating 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 the consumers 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: 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 user 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