vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-16 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: MD

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 is by unruled, unfair, and by no means to be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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 express my deep concerns about how Zelle handles disputes, especially in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which sheds light on significant flaws in the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to properly investigate my claims. I was informed that recovering my lost funds was not possible and that tracking these transactions was not feasible. The CFPB 's findings have revealed that Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, putting users at greater risk for scams. This lack of accountability and transparency is troubling, and it raises serious concerns about the safety and trustworthiness of Zelle for consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did not received my direct deposit of {$1700.00}. I called around XXXXXXXX XXXX of XX/XX/year> to request information and the customer service informed they did not have a time frame for fixing the issue. Now I am unable to pay for food / gas / my personal bill will accumulate interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
In accordance whith the fair credit reporting act XXXX  accoun XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARDS INQUIERES : 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  The financial institutions have violate my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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: FL

Complaint narrative:
In accordance whith the fair credit reporting act XXXX  accoun XXXX XXXX XXXX XXXX XXXX XXXX # XXXX HARDS INQUIERES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The financial institutions have violate my right.

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 2025-01-16 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: AZ

Complaint narrative:
I am writing to formally express regarding Zelles handling 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 CFPB findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concern for consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I had 3 dormant XXXX  XXXX accounts. Accounts XXXX XXXX XXXX  I started getting calls regarding balances and then found out these accounts were being used, cards being sent to an address in XXXX  to a place I did not know. My idendity was compromised when documents were stolen from my mother 's business. We did file a police report and have place a credit freeze and fraud alert on my reports. I continue to have problems getting these accounts corrected, they also have a late payment on one of the accounts which is inaccurate because there should have never been a balace. These accounts were closed by Capital One which further hurts my personal credit and these accounts were being used without my knowlege or permission. I request they be removed due to the status, blocked and any derogatory information be deleted.

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 2025-01-17 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-17 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: GA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/2025, I filed a CFPB complain against Chase Bank Credit Card XXXX  ( XXXX ) regarding their continous reporting that I am deceased on my credit reports- XXXX and XXXX for over XXXX years ( Accounts # XXXX and # XXXX ). Their actions have destroyed my ability to even get the most basic credit and have cost me credit cards, an auto loan and a house loan.. ( All information regarding this complaint attached ). I received a phone voice message from XXXX at XXXX several days later that encouraged me to call her ( XXXX ex. XXXX ) to ask questions, discuss the problem and fill me in on their progress. Unfortunately when I returned her call she refused to provide me with any updates nor even answers to basic questions as to what the status of this incorrected report accounts are nor when they might ever reach a decision to do something about it. Even after I requested a supervisor, her employee number and/or a mailing address to file a direct company complaint, she rudely told me she could give me no information nor even acknowledge that I was who I claimed to be even though I had all the information to prove who I said I was. It is due to these circumstances that I am again filing a complaint against Chase Bank Credit Card XXXX since it is clear that they have no plans to correct the misreporting thay have made on my credit report and they clearly look upon these CFPB complaints as nothing more that a nuisance that they don't have to take serious and therefore simply go through the motions or provide lip service to the CFPB without actually moving to clear up problems they have created.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: TX

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 and 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 disputed outcomes. These failures align with my experience, where Experian had 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 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 2025-01-16 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: TN

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, when 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 disputed accounts, as Experian 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 2025-01-16 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 concern regarding Zelle handling of dispute, partially in light of the recent CFPB lawsuit, hotline significant issues with the platform despite using Zelle failed to investigate my claims adequately. they informed me that tracking these transactions was infeasible. The CFPBs findings indicated that has not only neglected to protect consumers, but has also allow repeated offenders to exploit the system, leaving users vulnerable to scams. These lack of accountability and transparency is unacceptable and rises Serious concerned about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: MI

Complaint narrative:
Ive been using Zelle for over 5 years now and prior to a few years ago, I had XXXX instances of trying to send money to friends or family for payment or gifts. On multiple occasions, I sent money to the wrong person and there was ultimately no way to get these funds back. I tried calling my bank but they referred me to Zelle. Once I talked to them, I asked for help to obtain my funds and there was nothing that they could do. I dont feel as though it was clear enough on the app to confirm where I was sending and even verifying the amount. It was so fast like as soon as I press XXXX buttons, it was gone. I dont think this is right. Altogether, Ive lost over {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I keep trying to correct things to let them know that the credit isn't mines or is wrong and they won't fix it or just change the dates on the credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-16 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 express my concerns about Zelle and their handling of disputes. Despite using Zelle multiple times and reporting the discrepancies my financial institution and Zelle.Both failed to resolve the issues I had. I was told that any funds sent or lost are impossible to recover, and there was no way to find out where those funds went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 
Please delete the following accounts : XXXX. XXXX XXXX  acct # XXXX XXXX. XXXX  XXXX acct # XXXX XXXX. XXXX acct # XXXX XXXX. XXXX acct # XXXX XXXX. XXXX XXXX XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX acct # XXXX XXXX. XXXX XXXX XXXX acct # XXXX Please delete the following inquiries : XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am submitting a formal complaint against Cash App ( Block , Inc. ) regarding inadequate customer support and potentially unfair practices that may violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App did not implement timely or effective measures to prevent and address fraudulent activity on their platform, resulting in my account being left unprotected.

Additionally, their dispute resolution process appeared to lack fairness and transparency, failing to comply with the error resolution standards outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have caused me considerable inconvenience and financial harm, and I am seeking appropriate remedies for these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am reaching out to formally file a complaint against Capital One due to significant issues I am experiencing regarding missing paycheck deposits. 

Capital One has not provided any updates on when customers, including myself, will receive their deposits. This delay has left me without access to my funds, which are urgently needed for essential expenses and bills. 

Adding to the frustration, attempts to contact customer service have been unsuccessful. Each time I call, the phone line disconnects. Ive tried multiple times, to no avail. Additionally : The main social media page ( XXXX ) has issued no updates or acknowledgment of this issue. 
The customer service page on XXXX continues to provide only generic responses, such as were working on it, to every inquiry without offering a timeline or resolution. 

This lack of communication and transparency from Capital One is unacceptable and has left me financially strained and without answers. I am requesting your intervention to investigate this matter and ensure Capital One promptly addresses this issue, provides clear updates to customers, and resolves the delays in deposits. 

Thank you for your time and assistance. I am happy to provide any additional information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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. 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. Zelle has neglected to protect me as a consumer and allowed these people to keep exploiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: OH

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates , LLC Disputed 2 Collection Accounts ( Under FCRA,15 US C 1601 ) 6/21/24 Letter sent requesting removal of collection and written confirmation due to NO CONTRACT with Portfolio Recovery Associates , LLC .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-16 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Professional debt mediation is reporting my debt without consent There was fraud done in my name XXXX XXXX is Falsely reporting information I have not had any car from them since 2017 false information

Company response to consumer: Closed with explanation