vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-20 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX THEY ADDED A LATE PAYMENT ON MY ACCOUNT THEN REMOVED IT THEN PUT IT BACK ON THERE AFTER I ASKED THEM TO DELETE THE ALLEGED LATE PAYMENT. I HAVE PROOF THAT IT WAS REMOVED BECAUSE MY SCORE WENT US XXXX POINTS THEN 5 DAYS LATER WITHOUT NOTICE THEY REINSERTED THE LATE PAYMENT WITHOUT GIVING ME A NOTICE. 


I am writing to formally dispute the reinsertion of a negative debt item on my credit report that had previously been removed. This action has not only negatively impacted my credit score but has also been executed without proper notification, in direct violation of the Fair Credit Reporting Act ( FCRA ).

According to the FCRA, if any information is reinserted in a consumer 's credit report, the credit reporting agency ( CRA ) must notify the consumer in writing within five business days. This notification must include the date of reinsertion, the nature of the information reinserted, and a statement that the CRA will provide the consumer with a free credit report upon request. I have not received any such notification, which is a clear violation of my rights under the FCRA.

Prior to the reinsertion of this negative debt, there was no evidence provided to me that verified the accuracy of this debt. Under FCRA Section 611 ( a ) ( 6 ) ( A ) ( i ), any item that has been removed after a dispute and is later reinserted must be accompanied by a certification of accuracy from the information furnisher. I request that you provide me with this certification, as my rights have been infringed upon due to its absence. In accordance with FCRA Section 611 ( a ) ( 7 ), I am entitled to request the method of verification for the disputed item. Given that this debt has been reinserted without my knowledge or any prior notification, I hereby request a detailed description of how the debt was verified, including the name, address, and phone number of each person who confirmed the accuracy of this debt. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX XXXX XXXX Account Number : XXXX  I WAS NEVER LATE ON THIS ACCOUNT AND THIS ALLEGED LATE PAYMENT WAS DELETED AND REINSERTED WITHOUT PROPER NOTIFICATION I DEMAND THEY REMOVE THIS ALLEDGED LATE PAYMENT IMMEDIATLEY FROM MY CONSUMER REPORT I HAVE PROOF WITH MY SCORE BEING AT A XXXX AFTER THE REMOVED THE LATE PAYMENT THE FIRST TIME. I HAVE NEW EVIDENCE AND I DEMAND BOTH COMPAINES TO REMOVE THIS LATE PAYMENT FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation
State: IL

Complaint narrative:
I initially set this up as to float me additional funds until I got paid. I've tried to cancel many times but there is no number and the directions show a way to cancel which doesn't work either. This is very deceptive.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I recently bought this card the other day reading that it could be used anywhere online and in store and thought I would be able to buy something using this card. To my dissapointment, I tried countless different websites to buy this item I wanted but this card fails again and again. It doesnt even come up as a declined charge it just fails in even contacting the card issuer at all. I was only able to charge a XXXX dollar charge on this XXXX dollar XXXX XXXX dollar tax card from their XXXX  WHICH IS XXXX. ( I did this to test if it would work )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
Someone was able to hack I to my chime account and stole a very large amount of money 3 times. Each time resulting in XXXX  of dollars being stolen from me I reported to the police attached police reports showing it was not me but chime did not resolve the issue said no issue found. I keep opening disputes to resolve it but they close the disputes in a day not resulting in doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union Apparently sent notice to reposess back in XXXX. I never received according to repossessions. They said it's sufficient for the XXXX resposession. 
No further notice sent kept paying enough to avoid repossession. 
Decides to reposess after I have already paid this month of XXXX $ XX/XX/XXXX after a reverted transaction. 
I pay any outstanding balance hours of resposession and immediately after learning what happened. 
Leaves a XXXX veterans stranded without XXXX XXXX  Begged for access to my critical medication over the phone. 
Under XXXX XXXX have to report to the XXXX XXXX and am late on critical medication Uses a company XXXX XXXX XXXX which is a company that regularly steals out of customer vehicles and breaks into locked vehicles within their possession within XXXX hours of repossession. 
This company regularly breaks GA law with a pattern. This is the company NFCU decided to go with. 
Then asks me to pay an additional XXXX $ after I have already paid to drop off cash at a Navy Federal branch office. 
Contacts supervisor of resposession XXXX, who said she is the final authority in their department even after requesting other help says there is no remedy and that the notice in XXXX is sufficient enough. 
No care for veterans. NFCU bills itself as a veteran first company where members are the mission. 

XXXX XXXX to a NFCU member of almost a decade and previous car loan paid through NFCU. Company used regularly violated the law and their actions have put my personal possessions in jeopardy. 

Navy Federal kicks veterans when they are down. Your fees are double to triple the state average for a resposession. You contract with companies that steal and commit unlawful business practices in GA. I was deprived of critical medication with no proper notice. 

The damage has been done to me and my family. 

Notice of resposession more than 6 months back is not friendly or sufficient. Especially to XXXX veterans. I paid within hours of being aware of the intent / act of resposession. 

Cease contracts with ill reputed companies. 

Your repossession department is difficult to contact even NFCU employees have difficulty reaching them. 

The fees are predatory. XXXX $ and taking a chance with my personal goods, valuables and medication in the car is depressing. 

I go to a NFCU after talking with their XXXX department they don't answer the staff there such as XXXX at NFCU XXXX XXXX XXXX XXXX XXXX XXXX. 

They have difficulty contacting their repossession department causing delay to get the predatory XXXX $ paid so I can get access to my belongings and medication. 

" Members are the mission. '' XXXX XXXX Navy Federal. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MI

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 non-monetary relief
Consumer complaint received 2024-12-20 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts from my credit file, as I am a victim of a data breach that resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of the following accounts from my credit file, as I am a victim of a data breach that resulted in the unauthorized use of my personal information. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$2900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: MI

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Attempted a XXXX transaction with Capital One. Was sending money to someone I normally send to and have plenty of funds. This morning the transaction wouldnt go thru and it was tagged as fraud. This was XXXX money going to my nephew in the amount of {$350.00}. When I called to get it unblocked, the agent told me she could see it was blocked, but couldnt see why and she couldnt do anything about it. Her name was XXXX and her badge number was XXXX. When I asked to be moved to security to get the account unblocked, she refused and said there was nothing she could do and my money could not be used for this transaction. I have no idea why I cant send my own money and they should not be able to place a hold on an account without there being a way to remove it. I still do not have access to my funds. I believe this is illegal behavior by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 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: CO

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 2024-12-20 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: GA

Complaint narrative:
The following company was able to apply incorrect information on my credit report without this information being validated for accuracy, Ive been contacted via mail and calls even after I've told them more than 9 times that this information is incorrect. 
15 U.S. Code 1692c XXXXXX/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 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following company was able to apply incorrect information on my credit report without this information being validated for accuracy, Ive been contacted via mail and calls even after I've told them more than 9 times that this information is incorrect. 
15 U.S. Code 1692c XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: MD

Complaint narrative:
XXXX XX/XX/year> REVCO SOLUTIONS XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Subject : Request the validation of an account ( REFERENCE NO. XXXX ) Dear REVCO SOLUTIONS I am writing to formally obtain validation for debt, as per my rights under 15 U.S.C 1692 g. of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to send consumers a written validation notice.

I am requesting that you send a letter validating the following information as it pertains to information for an account that you are attempting to collect.

The information that is required is the following 1. Name and Address of the original creditor.

2. Amount of debt.

3. Proof that you have the right to collect the debt and have not purchased the debt. 
4. Any judgements that have been obtained.

5. Proof that the statute of limitations has not expired.

Please forward this information to me within 15 days of receipt of the correspondence, at the address above. If this information can not be provided to me, remove all instances of the referenced account with all credit reporting and credit information companies. 
A copy of this correspondence has been forwarded to the Consume Financial Protection Bureau ( CFPB ). 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
SEE ATTACHED FOR MULTIPLE LETTERS TO TRANSUNION REGARDING UNVERIFIED, INCOMPLETE, AND INACCURATE ACCOUNT WITH XXXX  XXXX XXXX ON MY TRANSUNION CREDIT REPORT****

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 2024-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: LA

Complaint narrative:
I am writing to formally file a complaint regarding the mishandling of a dispute I initiated with my financial institution, XXXX, and the subsequent actions by Discover, which have caused undue stress, financial loss, and confusion. Below is a detailed account of the events : XXXX. The Initial Dispute : On XX/XX/year>, I noticed two transactions on my Chime accounta {$150.00} transaction and a {$50.00} transactionwhich I initially believed were unauthorized. These payments were made to my Discover credit account. Consequently, I filed a dispute with XXXX, and the dispute claim number is XXXX. 
XXXX. Realization and Attempt to Correct : Shortly after filing the dispute, I realized that I had authorized these transactions as part of my monthly repayments to Discover. I promptly contacted XXXX and requested the closure of the dispute, assuming the matter was resolved. 
3. Returned Payments and Fees : A few days later, I received a notification from Discover that both payments had been returned, along with a {$30.00} return payment fee for the transactions. When I contacted Discover for clarification, I was informed that the payments had been refunded based on the dispute filed with Chime, even though I had already closed the dispute. 
XXXX. Funds Not Reflected in XXXX Account : Despite the notification of returned payments, the refunded amounts never reflected in my XXXX account. I contacted XXXX for clarification and was told that the issue lay with Discover. 
XXXX. Subsequent Dispute with Discover : I initiated a dispute with Discover to investigate the matter further. Discover requested proof, and I provided my XXXX account statement as evidence. After additional investigation, Discover informed me that they required an electronic transmitter document from XXXX to proceed. 
XXXX. XXXX Response : When I contacted XXXX to obtain the requested document, I was told that they do not issue such documentation. I relayed this information to Discover, but they stated that without this document, no further action could be taken, and they closed the case. 

Summary of the Issue : My initial dispute with XXXX was closed, but the payments were still refunded to Discover, leading to return payment fees totaling {$60.00}. 
The refunded amounts ( {$150.00} and {$50.00} ) have not been credited to either my XXXX account or my Discover account. 
Both institutions are deflecting responsibility, leaving me without the funds and with incurred fees. 
Discover requires documentation that XXXX claims it can not provide, leaving the matter unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This letter is a formal demand under consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, and the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. 

On XX/XX/year>, fraudulent transactions were made from my Bank of America account. Despite my prompt dispute and over 15 calls, your institution has failed to resolve the matter or refund the stolen funds. The ACH department appears to be intentionally delaying resolution to surpass the 60-day statutory window and evade refund obligations. Additionally, I have filed 10 complaints with the XXXX XXXX XXXX XXXX XXXX XXXX  **, all of which Bank of America has failed to respond to, further demonstrating disregard for accountability. 

The FCBA mandates credit issuers to acknowledge disputes within 30 days and resolve them within two billing cycles. Under the EFTA and its regulations ( 12 C.F.R. 1005.11 ), financial institutions must resolve disputes within 10 business days or issue a provisional credit if unresolved. Your failure to comply violates these laws, erodes trust, and compounds the harm caused by fraud.

Additionally, your claims of " world-class protection '' constitute deceptive advertising. Your negligence and refusal to act have caused significant financial and emotional distress. 

I demand the following actions within 5 business days : 1. Immediate refund of the stolen funds.

2. Written confirmation of dispute resolution under the FCBA and EFTA.

3. Direct communication from ACH legal counsel.

If unresolved, I will file further complaints with the Consumer Financial Protection Bureau ( CFPB ), Office of the Comptroller of the Currency ( OCC ), and pursue legal action for negligence, breach of duty, and deceptive practices.

This is your final notice to resolve the matter. Failure to act promptly will result in escalated legal measures. 

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 explanation