vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
The following account is listed as Charge Off via all 3 Credit Reporting agencies. Please send a 1099c cancellation and remove this item from all credit agencies. I am

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 2025-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a compl

aint 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. Th
ese 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 2025-02-03 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: NC

Complaint narrative:
Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: GA

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
{$3500.00} was taking out of my savings saying memo post item. Bank is saying XXXX  took it and XXXX is saying it was for a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have been with SP Select Portfolio Morgaging company since XXXX. Effective XX/XX/XXXX Someone decided that i didnt have home insurance so Sp Select took out a Property Lenders Loan costing me XXXX monthly up until XX/XX/XXXX when i noticed the extra fee at which time i was told by SpSelect portfolio that if i had insurance i needed to provide my declaration Page showing proof before i could be reinbursed. I immediately did a three way calling with XXXX insurance and Sp Select Portfolio to verify this information. documents were emailed telephone verfication was made as well. XX/XX/XXXX come around i still haavent heard or received any refund amount totaling XXXX at which time i was told it was refunded back into my escrow account. but my escrow acct doesnt show an over payment in balance it shows that im negative for several months. my mortgage at that time was XXXX of which XXXX would come out for escrow acct. XXXXXXXX XXXX XXXX XXXXXXXX yr tax disbursements were XXXX yr ( XXXX ) my activity actually showed XXXX after XXXX was put back into my escrow but i want refunded. Can CFPB investigate to see why i havent received my refund in a form of check. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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: IL

Complaint narrative:
Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. Per USC 1681g, I am requesting their removal within 15 days. Attached are the necessary documents for your review.

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 2025-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CarMax, Inc.
State: WI

Complaint narrative:
I purchased a car on XX/XX/XXXX, and initially financed it with XXXX XXXX. After 30 days, I was informed that Carmax Auto Finance had taken over the loan and that my payment amount had increased. This was done without clear and conspicuous disclosure. I was not informed about my rights under the Truth and Lending Act, or my right to rescind the contract. This situation is unfair and deceptive acts and practices ( including bait and switch financing ) XXXX XXXX breach, I submitted in XXXX of XXXX and the claim was denied. I feel this should fall under the Magnuson -Moss Warranty Act. The XXXX XXXX XXXX  can be a debt trap when the consumer feels locked into an unaffordable loan leading to long-term financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 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 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 own 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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Hans Capital Group dba H&L Automotive Financial Services
State: NV

Complaint narrative:
Never investigated my violated truth and lending by deception and lies

Company response to consumer: Untimely response
Consumer complaint received 2025-02-03 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 XXXX XXXX XXXXXXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing a formal complaint against Columbia Debt Recovery LLC, d/b/a Genesis, specifically against XXXX XXXX, a manager at the company, for violating my consumer rights, engaging in discriminatory behavior, and treating me in a hostile and unprofessional manner during a recent debt collection attempt. 
On XX/XX/year>, I contacted Columbia Debt Recovery regarding a settlement for my account ( # XXXX ). During this call, XXXX XXXX insulted my knowledge of consumer protection rights under federal law, dismissing my understanding of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. He belittled my efforts to educate myself, stating that my " XXXX and XXXX education '' would not work with them. 
Furthermore, XXXX XXXX spoke to me in a hostile and inhumane manner, treating me with disrespect and condescension. His aggressive and dismissive tone made it clear that he was unwilling to provide the basic level of service and information that every U.S. citizen is entitled to under federal law. 
In addition, XXXX XXXX discriminated against me and refused to provide me with further details about my debt beyond stating how they obtained my current address. This refusal to disclose essential information regarding the origination and validation of the debt is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which grants consumers the right to request detailed verification of their debts. His actions suggest a deliberate attempt to deny me my legal right to clarity and fairness in the debt collection process. 
This behavior is unacceptable and may constitute a violation of my rights under the FDCPA and other consumer protection laws. I request a formal investigation into Columbia Debt Recovery LLC and XXXX XXXX conduct, as well as appropriate corrective action, including : 1. A formal apology from Columbia Debt Recovery and assurance that similar misconduct will not occur in the future. 
2. A full disclosure of my debt details, as required by law.

3. A review of Columbia Debt Recoverys training and compliance practices regarding consumer rights and professional conduct. 
4. Consideration of fines or penalties against the company for discriminatory and unethical collection practices. 
I am prepared to escalate this complaint to additional consumer protection agencies, legal authorities, and media outlets if necessary. I trust that the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General will take this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: GA

Complaint narrative:
I am unsure what this debt letter is about. I received this request from a previous 3rd party collection agency " XXXX XXXX XXXX '', and now from 'Hayt , Hayt & Landau P.L . '. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
DECLARATION : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 

Any Judgments obtained by any creditor regarding this account. 

Name and address of alleged creditor. 

Name on file of alleged debtor. 

Alleged account number. 

Address on file for alleged debtor. 

Amount of alleged debt. 

Date this alleged debt became payable. 

Date of original charge off or delinquency. 

Verification that this debt was assigned or sold to collector. 

Complete accounting of alleged debt. 

Commission for debt collector if collection efforts are successful. 

Please provide the name and address of the bonding agent for HAYT HAYT LANDAU P.L. in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.

Furthermore, I am exercising my rights per USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated

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 2025-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Summary of Complaint to CFPB Regarding Mr. Cooper I am filing a complaint against my mortgage servicer, Mr. Cooper, due to inconsistent information and unfair denial of my private mortgage insurance ( PMI ) removal and escrow waiver request. 
PMI & Escrow Removal Promise : Mr. Cooper informed me that if a new appraisal showed I had a 75 % loan-to-value ( LTV ) ratio, I would be eligible to remove PMI and waive escrow. 
FEMA Forbearance Concern : Initially, there were questions about late payments on my account supposedly caused by a FEMA disaster forbearance. However, these late payments do not appear on my credit report.

Confirmation from Mr. Cooper Representative : On XX/XX/year>, I spoke with XXXX, who confirmed that the FEMA forbearance would not affect my PMI or escrow removal as long as the appraisal supported a 75 % LTV. 
Appraisal Fee Paid : Relying on this information, I paid {$450.00} for the required appraisal.

Denial Despite Meeting LTV : On XX/XX/year>, Mr. Cooper denied my PMI removal, again citing the alleged late paymentscontrary to what I had been told and what appears on my credit. Furthermore, they did not provide me with the appraisal results until I specifically requested a copy. 
Failed Resolution : I attempted to resolve this issue by speaking with XXXX in the PMI department, but no solution was offered. 

I believe Mr. Cooper has acted improperly by giving me contradictory or misleading information, causing me to pay for an appraisal under false pretenses, and then denying my request based on incorrect claims of late payments. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, ensure that my eligibility for PMI and escrow removal is fairly reviewed, and address any wrongdoing or miscommunication on Mr. Coopers part, including reimbursement of the appraisal fee if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The loan monthly payment amounts was {$0.00} for 120 months. But says i owe a balance on all student loans from XXXX. Which would be inaccurate if i was told my monthly payment would be {$0.00}.

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 2025-02-03 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: FL

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-03 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: I.C. System, Inc.
State: TX

Complaint narrative:
This company I C SYSTEM has been reporting inaccurate dates, statuses of debt, and remarks! I have disputed multiple of times with no resolve.

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 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request updates and corrections to my credit report. After reviewing my credit report, I noticed discrepancies in my personalinformation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 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: NC

Complaint narrative:
Equifax and Experian are reporting a XXXX XXXX account that shouldn't be on my credit report. XXXX XXXX is reporting the wrong information on the credit reports and so I reported the company to my state attorney general 's office to fix it but they've yet to respond. I keep calling Equifax to remove the account but they keep giving me a hard time and they keep hanging up on me or lying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-02-03 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: PA

Complaint narrative:
experian requested me confirm my name and other information to support my disputes which i did, and submitted my id theft .gov report. They then shared that information with the fraudulent lenders and credit card and collection agencies and updated my personal information on their record to display as accurate. This took place after my initial dispute.

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 2025-02-03 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: NY

Complaint narrative:
I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to TransUnion, disputing inaccurate personal information and accounts on my credit report. 
To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address I mailed my initial dispute letter on XX/XX/year>, via USPS certified mail ( tracking number XXXX ). On XX/XX/year>, I received a response stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is puzzling, as all prior communications were sent directly by me and included all required information. 

According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that TransUnion has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my dispute.

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