vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: MI

Complaint narrative:
Subject : Formal Complaint Against Debt Collection Practices by United Collection Bureau XXXX. 

To Whom It May Concern, I am filing a formal complaint regarding improper and unlawful debt collection practices by XXXX, an employee of United Collection Bureau XXXX Below, we detail the specific concerns and violations I believe have occurred, along with my demands for resolution : Unlawful Communication Practices Employee Mark from the United Collection Bureau Inc. contacted me regarding an alleged debt without providing sufficient verification or documentation as required by law. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive a validation notice within five days of the initial communication, detailing : The amount of the debt The name of the creditor A statement informing me of my rights to dispute the validity of the debt within 30 days. 

Failure to Forensically Audit the Debt I demand a forensic audit of the alleged debt, including : Any Uniform Commercial Code ( UCC ) filings associated with the debt Evidence of insurance claims or payments related to the debt Securities-related transactions involving the debt and instruments Any non-cash income or unjust enrichment derived from the debt Notice of Revocation of Authority and Establishment of Trust From this point forward, any information we provide, actions taken, or statements you make shall be held in trust pursuant to the attached Security Agreement and UCC filing . Given that this debt collection involves my Social Security number, you are hereby deemed as debtors under the terms of this trust. 
All prior trustee arrangements and powers of attorney concerning this matter are revoked. 
Any further action without my explicit consent constitutes fraud and a violation of the trust established by this agreement. 
Legal Violations and Prohibited Actions Your actions violate the following federal regulations : 15 U.S.C. 1692e : Prohibiting false or misleading representations 15 U.S.C. 1692f : Prohibiting unfair practices 15 U.S.C. 1692c : Governing proper communication practices 12 C.F.R. 1006.34 : Requiring clear debt validation Right to Act as Creditor As outlined in U.S. law, I reserve the right to act as a creditor in this matter. If you fail to comply with the law or respond appropriately, fees, penalties, and administrative charges will be imposed for unauthorized attempts to collect this debt. 
Communication Restriction All future communications must be in writing and sent via mail to XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX, MI XXXX or email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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 looked at my report and discovered the XXXX said accounts XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX all accounts were unauthorized and not properly investigated therefore should be removed immediately

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 2025-01-22 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: SC

Complaint narrative:
I looked at my report and discovered the XXXX said accounts XXXX  XXXX # XXXX, XXXX  # XXXX XXXX XXXX XXXX # XXXX all accounts were unauthorized and not properly investigated therefore should be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX My cash app was removing money from my account without my permission. I reached out to the Cash support. There was nothing resolved, XX/XX/XXXX My cash app account pulled monied from my person checking account. This was without my permission. The monies taken were never replaced. No help from Cash support. The AI was not helpful. 
XX/XX/XXXX Cash app hacked. no support given XX/XX/XXXX XXXX $ was removed from my cash card. 
XX/XX/XXXX XXXX was removed from my Cash app XXXX. 
XX/XX/XXXX XXXX $ was added to my Cash app by an unknow person. 
XX/XX/XXXX Cash App took XXXX out of my account to pay for a purchase not made by me. no help was received, XX/XX/XXXX Cash App paid XXXX out of my account to a hotel, not reserved by me, This was done twice. No funds recouped. No support. 
XX/XX/XXXX Cash app took XXXX $ from my account to pay for a purchase I did not make XX/XX/XXXX Cash app took money from my account. no result XX/XX/XXXX The cash app mobile wallet removed monies from my personal checking account to make a purchase. This purchase cause an overdraft to the account. 
XX/XX/XXXX Cash app let some XXXX remove XXXX from my account to pay for an item. The merchant was not helpful, Cash app support XXXX  was not helpful, they requested i order new card. 
XX/XX/XXXX Cash app allowed my card to be hacked, all monies removed from account. No support provided. CARD IS IN THE NEGATIVE, I CONSTANLY RECEIVE EMAILS OF THE NEGATIVE BALANCE. 
XX/XX/XXXX New ACCOUNT MADE XX/XX/XXXX Cash card was used to pay for rideshare, and tips.Cash app support requested I change my card. 
XX/XX/XXXX My cash card was hacked by a XXXX XXXX, the food app was more helpful than Cash app. The merchant refunded me with gift card. No support from cash support. 
XX/XX/XXXX I was double charged for puchase. No refund given, No support help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was approved for federal student loan funds by XXXX XXXX XXXXXXXX at XXXX. Per the advisor I didnt meet the college requirements to receive the full loan amount granted. I am still being told that I used XXXX in students loans that I didnt not receive and have not been provided an option to dispute but it remains on my credit report. Balance is also increasing causing my credit score to drip and causing me financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the fair credit 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 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 2025-01-22 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: AZ

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
My XXXX provider, Merrill Lynch made XXXX transfers to an account that is not mine. The first occurred on XX/XX/year> for {$270000.00} and the second occurred on XX/XX/year> for {$13000.00}. Both were transfered to XXXX XXXX XXXX I have the routing and account numbers where the transfers were make. I have no account at XXXX XXXX XXXX 
Merrill Lynch never contacted me that these transfers were taking place.

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 2025-01-22 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:
Zelle never stated that if sent to the wrong person you could not get your money back. The disclosure was not stated before the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Information listed in the credit report is inaccurate accounts that are open and being paid on time are listed as delinquent. Accounts with balance are XXXX. Several discrepancies need help updating with the correct information.

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 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Information listed in the credit report is inaccurate accounts that are open and being paid on time are listed as delinquent. Accounts with balance are XXXX. Several discrepancies need help updating with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
I disputed XXXX accounts on my credit report and requested verification from XXXX XXXX XXXX XXXX XXXX I asked for the binding contract signed between myself and the creditor, showing that it was my account, and the transactions made on behalf of the account. Additionally, I requested any documents that XXXX XXXX sent to Equifax regarding the account. I also asked for information about the department and the representative at XXXX XXXX who communicated with Equifax regarding this dispute. Furthermore, I requested documents and an explanation of their policy and procedure for disputes and investigations within a timely manner and if they could not provide this information to remove it off of my credit report. 

After 30 days, I received an email stating that the dispute was investigated and found to be correct. They didn't send none of the information i requested but stated if I didn't agree I could dispute it again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I have been identified as a victim of human trafficking. I have provided all requested information per the 605C FCRA laws. I am receiving services as a survivor from a Non-Governmental Organization. 

I sent all the requested documents stated in the law -Self Attestation -Victim Determination Letter -List of accounts to be removed The above listed documents have been sent to several CRA 's ( XXXX, XXXX XXXX, XXXX XXXX XXXX etc ) and per the XXXX all the items were removed. 

It is unclear why Equifax refuses to remove the same information though Equifax is required by law to adhere to the 605C just as the other CRA 's have.

It has been several months with no resolution and when I call for details on what the issue is ; Equifax refuses to be clear n advising me what they actually need to complete to process. 

I am a survivor that is suffering financially based on the abuse I endured, this law was enacted to help people in my position. It is therefore unlawful that Equifax is not following the law per the 605C.

I need these items removed asap so I can get out of debt bondage and move forward in rebuilding my life. 

Please help I am a mother and a survivor that does not deserve to be further victimized!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: NC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding Overdraft fees. Despite having sufficient funds available when transactions were authorized, I was still charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against NFCU for similar practices where transactions settled with insufficient balances despite having available funds. I believe these practices were done in bad faith and would like that issue to be rectified. During the time frame of XXXX I reached out to the company to discuss the matter and was often met with resistance stating that funds were not available so the fee was assessed even when funds were in fact available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: TX

Complaint narrative:
I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX  - XXXX - {$4300.00} XXXX XXXX XXXX XXXX - XX/XX/year> These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
XXXX, i have sent many dispute letters to them about accounts that have been charged off and still showing a balance. When some accounts have XXXX and others they will not change the balance. This is inaccurate information. I did not give them the consent to keep incorrect information on my credit report. Also there are two collections in which i have disputed and those companies can not provide the bill of sale where they purchased my alleged debt. My privacy has been compromised and these transactions are not to be disclosed. They never told me what they did to verify any 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
Consumer complaint received 2025-01-22 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: VA

Complaint narrative:
XXXX, i have sent many dispute letters to them about accounts that have been charged off and still showing a balance. When some accounts have XXXX and others they will not change the balance. This is inaccurate information. I did not give them the consent to keep incorrect information on my credit report. Also there are two collections in which i have disputed and those companies can not provide the bill of sale where they purchased my alleged debt. My privacy has been compromised and these transactions are not to be disclosed. They never told me what they did to verify any dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-22 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : 1681 0 ) I am writing to formally dispute the claim of civil liability for negligence referenced as 1681 0. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : 1. I have no verified debt with XXXX XXXX XXXX 2. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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 non-monetary relief
Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Imperium Lending, LLC
State: NC

Complaint narrative:
I have never requested any information from or applied with this company ( imperium mortgage ). They first contacted me XXXX, I was contacted five times within the span of an hour on XXXX after requesting several times to be removed from their calling list. The last agent hung-up when I advised that they had called that many times and advised that their system did not have a record of calls being placed. Regardless of if someone is documenting if a call took place or not, the company is still responsible for harassing calls being placed to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-22 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information that has been reported on my credit file. This issue is causing significant financial and personal hardship, and despite my attempts to resolve the matter directly with the creditors and the issue remains unresolved.

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 2025-01-22 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate information that has been reported on my credit file. This issue is causing significant financial and personal hardship, and despite my attempts to resolve the matter directly with the creditors and the issue remains unresolved.

Company response to consumer: Closed with non-monetary relief