vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Cash App ( Square , Inc. ) due to their ongoing failure to protect my funds from unauthorized transactions, despite multiple support requests and disputes. 

For the past 6 months, I have experienced daily unauthorized charges from XXXX XXXX and other blocked merchants on my Cash App account. However, these charges should not be occurring because : XXXX. The merchants have been blocked in my Cash App settings for over two months. 
XXXX. My Cash App card has been locked, yet transactions are still being processed. 
XXXX. I have no active subscriptions or purchases with XXXX XXXX, and they have confirmed there are no charges on their end. 
XXXX. Cash App has repeatedly denied my disputes and refuses to refund my stolen funds. 

Despite following all Cash App recommendationsblocking the merchants, locking my card, and disputing transactionsthey continue to allow unauthorized charges, failing to properly secure my funds. Their customer support has been completely unhelpful, sending me the same generic responses each time I report the issue. 

At this point, I have suffered significant financial losses due to Cash Apps lack of security and failure to enforce merchant blocks or card locks. I am requesting : A full refund for all unauthorized charges from blocked merchants. 
An investigation into Cash Apps failure to properly secure user funds.

Immediate action to prevent further unauthorized charges on my account.

If this issue is not resolved immediately, I will escalate further, including taking legal action if necessary.

I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to formally dispute a charge-off that appears on my credit report. This entry is inaccurate and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and other federal regulations. 

According to 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes the accuracy of information on their credit report. The charge-off listed in my report is incorrect and should be removed.

Additionally, I believe the following laws have been violated : 15 U.S. Code 6802 Obligations regarding the disclosure of personal information.

U.S. Code 6803 Disclosure of privacy policies to protect consumers.

15 U.S. Code 1681e ( b ) Requirement for credit reporting agencies to ensure maximum possible accuracy of the information reported. 
15 U.S. Code 1681a ( d ) ( 2 ) Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A Aggravated identity theft.

These violations have caused harm and inaccuracies in my credit report, affecting my creditworthiness and legal process. I kindly request that Equifax perform a comprehensive investigation, verify the accuracy of the charge-off with the original creditor, and remove it if it can not be verified or is proven to be inaccurate. 

Please send me an updated copy of my credit report once the investigation is complete. 

Thank you for your immediate attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: ID

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unaware that it had been sold until recently. 
As per my understanding, I was legally entitled to receive : 1.A Pre-Sale Notice informing me of the time and place of the sale, allowing me the opportunity to reclaim the vehicle or settle the debt.

.2.A Post-Sale Notice providing details on the final sale price, how the proceeds were applied, and a breakdown of any remaining balance.

Since I did not receive these required notices, I believe the lender/agency has failed to follow proper legal procedures, which may impact the validity of the deficiency balance. Additionally, I have confirmed that the vehicle was sold for {$9100.00} yet I am still being pursued for the full original balance of {$17000.00}, which is incorrect.

I am formally requesting the following : Verification of the debt, including a detailed breakdown of how the remaining balance was calculated.

Copies of all notices related to the repossession and sale of my vehicle, including proof that they were sent to me.

A review of my case to determine if the deficiency balance is still legally enforceable based on the lack of proper notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: AZ

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: OH

Complaint narrative:
A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX XXXX, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : TransUnion Consumer Relations File, charged off amount is {$620.00} and closed as of XXXX 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.

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 2025-02-07 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 with 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 an 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 substantial financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: NJ

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 transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the 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 2025-02-06 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: MD

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 2025-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On Friday, XX/XX/year>, I received an ACH deposit in the amount of {$7100.00} from an insurance claim under my sister 's name. I went to the XXXX branch to withdraw the funds but was informed that the deposit could not be accepted because it violated the banks terms and conditions. I was further told that my account would be closed as a result. I was advised to contact the insurance company so they could request the funds back.

On the same day, my sister contacted the insurance company, and they confirmed they would issue a stop payment on the deposit and mail the initial payment. However, on Thursday, XX/XX/year>, the insurance company informed my sister that they could not retrieve the funds because the bank had already cashed the check.

I immediately contacted the banks fraud department, as instructed, to inquire why the ACH deposit was processed despite being told it would not be accepted. I was informed that the department could not provide an explanation and that my account was closed due to foreclosure. I was told that the account closure process would take 30-60 days, and I would receive further correspondence detailing the reasons for the closure and any potential funds owed to me. I informed the representative, XXXX from the Fraud Department, that I have not received any such notice. She stated that she could not provide me with any details or specific timelines for when the notice was sent, if at all, and she only referred to the 30-60 day window.

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 2025-02-06 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: CA

Complaint narrative:
There is a Medical Debt on my credit report that needs to be removed.

PLEASE REMOVE IT.

It's important to me to get this removed because it is suppressing my score and over credit health.

The Problem Account is : XXXX XXXX XXXX XXXX ( don't know the other digits ) There is also NO PROOF that this medical debt is mine.

Also, I do not know what the charge off amount is for either. This is a mystery.

Thank 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 2025-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Dear Navient/Mohela, I am writing to formally request the discharge of my private student loans associated with my attendance at The XXXX XXXX XXXX XXXX XXXX XXXX to XXXX. During this time, I was compelled to take out private loans based on misleading information provided by the school, which promised career prospects and financial outcomes that were never realized. 

As you may be aware, The XXXX XXXX engaged in widespread deceptive practices, which have been acknowledged by the XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the department approved over {$XXXX} XXXX in student loan forgiveness for students who attended the institution between XXXX and XXXX due to proven misconduct. My federal student loans have already been XXXX under the XXXX XXXX program. However, despite this recognition, my application for the discharge of private student loans was denied by Navient, citing ineligibility. 

I would like to highlight the following key developments that support my request : XXXX. Congressional Inquiry : In XX/XX/XXXX, XXXX XXXX XXXX, alongside other lawmakers, sent a letter to the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) urging them to investigate Navient 's practices. The letter detailed concerns that Navient 's process for handling school misconduct discharge applications is flawed and improperly denies relief to borrowers affected by predatory institutions, including The XXXX XXXX. 


XXXX. CFPB XXXX XXXX Navient : In XX/XX/XXXX, the CFPB announced a proposed order permanently banning Navient from federal student loan servicing due to years of failures and misconduct, requiring the company to pay {$XXXX} XXXX, including {$XXXX} XXXX in redress for harmed borrowers. 


XXXX. XXXX XXXX 's Findings : A XX/XX/XXXX press release revealed that Navient 's process for determining eligibility for school misconduct discharges unnecessarily burdens borrowers and results in an XXXX  % denial rate. Lawmakers have called for immediate reforms. 


Given the closure of The XXXX XXXX XXXX XXXX, I do not have access to financial statements or records. However, my federal loan discharge and detailed statement should provide sufficient evidence of the harm caused by the institutions misconduct. 

I respectfully urge Navient to reconsider my application and align with the federal stance on recognizing and remedying the harm caused by The XXXX XXXX ' misconduct. I request the immediate discharge of my private student loans associated with this predatory institution. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
On XX/XX/25, at XXXX XXXX, I received a phone call from Portfolio Recovery Associates , LLC ( PRA ). The caller asked if I was " XXXX XXXX '' and attempted to get me to confirm personal information. I did not confirm anything and immediately ended the call. 

After the call, I researched the company. Based on information from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I discovered that Portfolio Recovery Associates does not have a debt collection license in Michigan. Despite lacking a license in Michigan, they attempted to collect a debt from me, which may be a violation of Michigan state law.

I have no prior knowledge of any debt owed to this company. They did not provide any details about the alleged debt, such as the original creditor, account number, or amount owed. Additionally, they have not sent me any written notice regarding this debt, which is required under the Fair Debt Collection Practices Act ( FDCPA ).

I am requesting the CFPB to investigate this company for : Attempting to collect a debt in Michigan without a proper license.

Failing to provide written notice of the alleged debt.

Attempting to obtain personal information without verifying the debt.

I would like a written response from Portfolio Recovery Associates, including : Proof that they have the legal right to collect debt in Michigan.

A full debt validation notice, including the original creditor and account details.

If they can not validate the debt or prove they are legally authorized to collect in my state, I request that they cease all collection activities and remove any negative reporting from my credit file if applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ID Analytics, Inc.
State: AZ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX MA XXXX XXXX XXXX XXXX, XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed inaccurate and unverifiable accounts on my XXXX credit report, but they failed to properly investigate or provide proof under the Fair Credit Reporting Act ( FCRA ). The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and U.S. Dept. of Education. XXXX is also reporting incorrect addressesmy only valid address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Requested Resolution : Remove all unverifiable accounts. Correct or delete inaccurate personal information. Ensure XXXX  complies with FCRA guidelines. I have attached my dispute letter and supporting documents for review. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: MA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and 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 XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 


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 - IncorrectPersonal XXXX XXXX XXXX XXXX XXXX XXXX XXXX IncorrectPersonal XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX - IncorrectPersonal XXXXInquiry XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX - IncorrectPersonal

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 2025-02-06 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:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XX/XX/year> {$4000.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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