vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-24 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
No XXXX XXXX I went into my bank Regions and requested a H.E.L.O.C. Filled out the application and submitted it to Regions Morgage dept for an approval of my loan. I did not believe that it would be a problem, because I knew that my score was XXXX from XXXX XXXX XXXX XXXX, reported my score to regions Bank as XXXX. 
I knew that it had to be a mistake, so I had Regions submit my application a second time on XXXX XXXX where it came back a second time as XXXX from the same company XXXX XXXX XXXX After speaking to my bank. I called XXXX XXXX on XX/XX/year> and spoke to and employee by the name of XXXX. Who instructed me. To speak to my bank again. So, I am writing this complaint to resolve this. This has caused me great stress and money because I was unable to acquire the loan. I have enclosed the documents from my bank and XXXX XXXX. I would like to take legal action against the company that is responsible for my damages.

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 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I thought I was buying XXXX XXXX tickets through an old friend on XXXX but it turns out her XXXX was hacked and I was never actually talking to her. I sent whoever it was {$1000.00} and then they blocked me and took my money. The date was XX/XX/year>. I called my bank-XXXX  and made a dispute and they told me there was nothing they could do because it was zelle. Zelle also told me there was nothing they could do because it sent immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX my regions charged my account an {$8.00} service fee causing it to overdraw and be charged a {$36.00} fee. My husband transferred me money to cover the fees and put the account in the positive on XX/XX/XXXX. On XX/XX/XXXX my account was charged a {$72.00} overdraft fee even though the account was not overdrawn. When we spoke to two people at regions who were both rude and tried to explain to us that we just dont understand. They could not answer why the account was charged XXXX  overdraft fee when it wasnt overdrawn. 
Secondly it seems as though the are manipulating the order of charges to cause overdrafts.

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 2025-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This account is inaccurate because I do not recognize this debt. As per the Fair Debt Collection Practices Act, I would like you to look into this matter and help me resolve this dispute. 
Thank you for your attention to this matter, I look forward to your prompt response. 

Sincerely, 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 2025-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NY

Complaint narrative:
I am disputing the debt reported by Hunter Warfield under Collection Account # XXXX, which opened on XX/XX/year>, for an amount of {$23000.00}. This debt is not valid for the following reasons : I was a tenant at XXXX XXXX XXXX but vacated the property after providing a Notice of Intent to Vacate, which was done within the required 30-day notice period. The property manager, XXXX XXXX, signed a lease agreement with me on XX/XX/year>. 

After vacating the property, the landlord continued to incorrectly bill me for rent. I had no obligation to pay any future rent, as the landlord 's failure to resolve a billing issue resulted in a breach of contract, discharging me from any further rent payments under the contract. I also did not receive proper billing adjustments, despite notifying the landlord of the issue. 

In housing court, XXXX XXXX XXXX requested a payment of {$15000.00}, but the court did not award any payment. Despite this, I was still charged rent and other fees by the landlord after the court hearing and after vacating the property. This is a clear violation of New York housing laws. 

The amount of {$23000.00} being reported by Hunter Warfield is inflated and was not legally supported in any court proceeding. After the housing court ruling, the landlord was not entitled to bill me for any amount, as I was discharged from future obligations. 

The collection account should be removed immediately, as it is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The debt was neither legally established nor supported by any court order, and Hunter Warfield should not be reporting this as a debt on my credit file. 

Please investigate and take appropriate action to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: OH

Complaint narrative:
The issue is that they are not responding to my requests, and each time I ask them to review inaccuracies, they mistakenly claim I am someone else, despite me providing all of my personal documents. According to the FDPCA and FCRA, all information must be validated and reported with 100 % accuracy, which is not being upheld in this case. 

I have attached a letter requesting them to validate and verify the information to ensure it is being reported completely and accurately.

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 2025-02-24 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:
The issue is that they are not responding to my requests, and each time I ask them to review inaccuracies, they mistakenly claim I am someone else, despite me providing all of my personal documents. According to the FDPCA and FCRA, all information must be validated and reported with 100 % accuracy, which is not being upheld in this case. 

I have attached a letter requesting them to validate and verify the information to ensure it is being reported completely and accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I was scammed by a scammer who was running a fraud wholesale business online, there was a police report filed and all my evidence was turned into the police and I opened a claim with my bank, XXXX XXXX. The scammer was even flagged and had their funds frozen. However, they closed my claim immediately. Zelle and XXXX did NOTHING to help return my funds or even give me any kind of compensation. Ive seen numerous of other people who got scammed and their banks and Zelle does NOTHING to help victims. This sounds like a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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:
I recently reviewed a copy of my credit report And noticed I STILL have incorrect/inaccurate and fraudulent information reporting. I have address this issue with other reporting agencies and it has been remove completely, I am asking now that the same is done here. This account is hurting my ability to obtain credit. In accordance with the FCRA, my rights have been violated and I'm demanding the immediate removal of account : XXXX XXXX BANK XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time. 

I demand the late payment reported to be removed/updated.

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 2025-02-24 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: NC

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
My boyfriend that passed away was on the on the XXXX XXXX XXXX bill that was actually closed and removed from my credit as it has been many years. Recently a new company bought the old debt and which is illegal on a closed account. I reguarly check my credit report. I have tried disputing it with XXXX  and I am beyond frustrated and upset because I pay my bills and have worked so hard to improve my credit. Also I am not contacting that company as I have never even heard of it and won't be communicating with them. I will not allow this to happen 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 2025-02-24 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: NY

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 2025-02-24 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: NY

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I received a Fraudulent 1099-k from Block , Inc XXXX Square , Inc. The fraudulent 1099-k has my full name, address, and last 4 digits of my SSN. I dont have an account with Block , Inc and Ive never done any business with them. Ive tried contacting Block , Inc. several times, trying to get this account closed. Their customer service is awful and I cant get anywhere with them. Im trying to get this fraudulent account closed as soon as possible but unable to get to anyone that can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: CA

Complaint narrative:
On XX/XX/year>, I was contacted via text by a phone number stating it was XXXX XXXX XXXX XXXX, asking if I had made a charge or if it was fraud. I had not made the charge so replied no, and a man called to go over several charges with me to determine fraud or not. This all seemed rather typical. I had also XXXX  the phone number which came back as XXXX XXXX XXXX XXXX. He was explaining everything to me and saying that someone was trying to make Zelle payments I had not authorized, but in order to reverse them Id need to make the transaction so they could flag it on their end. 
Needless to say, that was not the case. They got me to send {$500.00} to an email address that I do not know who it was. I contacted my bank for assistance and also Zelle but never heard back. I hope to get my money back if you can please help! Didnt realize this was an option for assistance. 
I have screen shots and emails of all messages still and can send.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Tryed to get negative items off my score. Nothing changed.

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 2025-02-24 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XX/XX/XXXX -- {$4100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$710.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX XX/XX/XXXX -- {$360.00} UNKNOWN XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-24 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am writing to formally dispute the fraudulent account ( XXXX ) that have been reported under my name. I recently discovered that the following account ( XXXX ) do not belong to me and were opened without my authorization : Account Number ( XXXX ) : XXXX Date Opened : XX/XX/year> Amount Charged : {$3600.00} I am a victim of identity theft, and I did not open, authorize, or use this account. As such, I request that you : Immediately close and remove these fraudulent accounts from my record. 
Cease all collection efforts related to these accounts. 
Provide written confirmation that the fraudulent account has been closed and removed. 
Notify any credit reporting agencies to correct or remove any inaccurate information associated with this 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 non-monetary relief
Consumer complaint received 2025-02-24 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: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

Company response to consumer: Closed with explanation