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: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, specifically in light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using Zelle many 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 offenders to repeat and exploit the system, leaving users vulnerable to these 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: 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 didn't receive disclosure to recipients i didn't send money too

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: IL

Complaint narrative:
I am writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting signi 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 my 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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding 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. 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: NY

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have been banking with chase for years and unknowingly had money coming out of my account from XXXX. I called customer service to dispute the transactions, chase offered no help. I havent received any compensation. From this experience. I only found out about everything when I went to set up my XXXX account and it told me there was an account active already.

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: NM

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 finance institution, and Zelle failed to communicate my claims adequately. They informed me that recovering lost funds were impossible and recovering 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 userss 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
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: MI

Complaint narrative:
Navy Federal Credit Union, charged me overdraft fees when I had money in my accounts, somehow they made it seem like the money wasnt there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with 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: IL

Complaint narrative:
Im writing to express my serious concerns about Zelles handling of disputes, especially in light of the recent CFPB lawsuit that revealed significant problems with the platform. Despite using Zelle frequently and reporting discrepancies, my financial institution and Zelle failed to investigate my claims thoroughly. They told me that recovering lost funds was impossible and that tracking these transactions was impossible. The CFPBs findings show that Zelle 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.

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 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 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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
There are fraudulent accounts on my credit report, including one from a company called XXXX. I have already submitted an FTC fraud report regarding this account and reported it to XXXX, but it has not been removed. Despite repeatedly sending the fraud report to XXXX and the company, the responses are always generic, claiming the account is mine without providing any evidence, documentation, signatures, or original paperwork to validate the account. My repeated requests for validation have gone unanswered. 

XXXX has also failed to address this issue. Additionally, the company collecting on this loan has accessed my credit report without authorization, obtained and updated my address in their records, and has since sent mail to my current address. XXXX seems to be relying on this unauthorized information, yet this does not prove that the loan is mine or justify its continued presence on my credit report.

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: SC

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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as 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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have contacted Transunion several times about this fraud inquires and they still have not deleted these inquires off my credit report. The other bureaus have deleted these inquiries asap upon me calling and letting them know that these inquiries are fraud or an attempt to do fraud. The agent was very nasty to me and wouldn't let me talk and explain what's going on. They said that the last CFPB complaint i submitted was fake. Transunion should be sued because they never do or attempt to follow the fair credit reporting act which it pertains to fraud on my credit report XXXX XXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Auto ) XX/XX/year>XXXX XXXX ( Construction ) XX/XX/year> XXXXXXXX XXXX ( Finance ) XX/XX/year> XXXXXXXX XXXX  ( Finance ) XX/XX/year> XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX ( Finance ) XX/XX/year> XXXXXXXX XXXX ( Finance ) XX/XX/year> XXXXXXXX XXXX ( Finance ) XX/XX/year> XXXXXXXX XXXX ( Finance ) XX/XX/year>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: TX

Complaint narrative:
I am filing this complaint due to the lawsuit with CFPB and I have transactions that were taken and I just needed them refunded. 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: 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:
They gave no indication of sending to the wrong person and there no way of getting it back

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 am raising concerns about Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite being a Zelle user and promptly reporting discrepancies, my financial institution failed to investigate my claims thoroughly. They informed me that recovering the lost funds was " impossible '' and that tracking these transactions was not feasible, leaving me without a resolution or support. I lost over {$1000.00} through unauthorized or disputed transactions on Zelle, and despite reporting the issue to my financial institution, the funds were never recovered. When I brought the matter to my bank 's attention, I was informed that they could not investigate further. They cited an inability to trace the transactions or identify the recipient due to the limitations of the Zelle platform. This lack of recourse and transparency not only left me without my funds but also highlighted the significant risks associated with using Zelle for financial transactions, particularly when disputes arise.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The account in question, which was previously removed, has recently reappeared on my credit report without any explanation or justification. This re-reporting has negatively impacted my creditworthiness and has caused undue stress. Despite my efforts to resolve the matter directly with TransUnion, they have failed to take appropriate action to remove the account permanently or provide me with any documentation verifying its validity. 
Details of the Account : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Date of Deletion : XX/XX/XXXX Timeline of Events : XXXX. On XX/XX/XXXX, this account was successfully removed from my credit report after a dispute. 
XXXX. On XX/XX/XXXX ], I noticed that the account had been reinserted without prior notification or proper documentation as required under Section 611 ( d ) of the FCRA. 
XXXX. I contacted TransUnion to dispute the reappearance, but the issue remains unresolved. 
Violations of the FCRA : XXXX actions appear to violate the following provisions of the FCRA : XXXX. Section 611 ( d ) : Failure to notify me within five business days of re-reporting the disputed account. 
XXXX. Section 611 ( a ) : Failure to conduct a proper reinvestigation of the account before re-reporting it. 
XXXX. Section 623 : Failure of the data furnisher to verify the accuracy of the information before reinsertion. 
Supporting Evidence : To support my complaint, I have included the following documents : A copy of my most recent credit report highlighting the disputed account. 
Documentation showing the accounts prior deletion. 
A copy of my correspondence with TransUnion regarding this issue. 
My identification ( drivers license ) and proof of address ( Credit Card Statement ). 
Requested Resolution : I am requesting the CFPB to investigate this matter and take the following actions : XXXX. Require TransUnion to remove the account permanently from my credit report. 
XXXX. Ensure compliance with FCRA requirements regarding proper notification and validation of reinsertion. 
XXXX. Hold TransUnion accountable for any negligence or non-compliance with federal laws. 
This situation has caused significant harm, including a drop in my credit score and XXXX related to correcting this issue. I kindly ask for your assistance in resolving this matter promptly. 
Thank you for your time and attention. Please feel free to contact me at XXXX or XXXX if further information or clarification is needed. 
Sincerely, 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  - XX/XX/XXXX The following inquiries were not and should not be reporting. 

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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I used Zelle and money was sent to wrong person and my bank reimbursed me my funds back.

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau of Jamestown, Inc.

Complaint narrative:
This Met credit XXXX in the amount of {$3600.00} does not belong to me. 

It was a XXXX account opened by another customer that somehow got linked to my name and credit. The address, email and phone on the account in collections does not match any of my records and I have never held these services with XXXX. I didnt get any notification this account was in collections because it wasnt my information on the account. 

The XXXX account was opened in XX/XX/year> for internet and tv service. The account number with XXXX is XXXX and the original balance was {$1100.00} - all this information was received by a XXXX rep when I called. The name on the account was XXXX XXXX ( maybe incorrect spelling ) My case number with MET is XXXX. Last I heard XXXX was sending something to MET to say it wasnt mine, MET hasnt received this letter. Both companies are claiming the other holds the debt.

Company response to consumer: Untimely response
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 light of the recent CFPB lawsuit highlighting significant issues with the platform.

Company response to consumer: Closed with explanation