vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I previously addressed an issue with Navy Federal Bank concerning my limitations on filing disputes. I am currently blocked from filing my own dispute and need to provide accurate documentation regarding the XXXX XXXX XXXX XXXX. I left the resort early, and my only evidence is a photograph of my checkout, which includes the checkout cards on the table. I am requesting a refund from this resort.

I was denied a provisional credit, and recently, every dispute I file is not being properly handled by Navy Federal, resulting in my requests for refunds being refused. Consequently, several companies are retaining my money because Navy Federal is not thoroughly reviewing my evidence and considering my side of the story. I need assistance in ensuring that my disputes are properly addressed and that I receive the refunds due to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: CA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of XXXX XXXX has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am the payee for my XXXX XXXX XXXX XXXX check. I deposited his check on XX/XX/year>. All Funds are usually available within XXXX hours. On XX/XX/XXXX, I contacted the bank because the account was showing a - {$590.00} balance. I was advised that a hold was on the check and it would be released on XX/XX/year>. On XX/XX/year>, I called again to inquire about the hold and was advised that there was a {$290.00} Garnishment on me ( not my son ) and that I needed to contact the creditor. I contracted the creditor immediately and was advised that my final payment was received on XX/XX/year> in the amount of {$290.00} and my account was paid in full. I contacted Capital One to let them know that the account was settled a month prior to them taking my sons funds. I was told the creditor would need to fax them a letter. I provided the creditor with the information I was given. Capital One advised me this morning that they received the letter from the creditor but could not release the funds until they received a signed letter from the court. I told them I have a release letter from the court but they will not accept it because it doesnt have a judges signature. I spoke with the Clerk of the Court and they only provide a generic release letter. I was never properly notified by Capital One that I had a garnishment, and they took money from an account that was solely setup for my XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I opened up a secured and unsecured credit card with Navy Federal Credit Union. In about XX/XX/year>, my account was hacked and charges ran up to over XXXX for each card. I reported to the credit union but it is still showing I'm responsible for those charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have received a fraudulent check for the amount {$19000.00}, which Truist bank cleared the next day and placed deposit into my account. Every time in the past if there was every doubt about the check, they would put hold on the check and wait until they are sure check is good before clearing the check. Based on the clearing of the check and their previous process of putting the check on hold if in any doubt, I assumed they verified the check and are sure there are no issues with the check. Based on this I used those funds to return partially to the sender of the check and to conduct other business, assuming check is cleared and verified by Truist. 

Approximately 7 days later, Truist reverted the transaction and deducted the entire amount {$19000.00} from my account. I went to my local Truist bank and spoke to Truist representative. They called the bank from which the check originated and confirmed the check is fraudulent. They told me that this needs to be reported to Truist fraud department so they can return to me the stolen funds. While at the XXXX branch we spoke to fraud department which tool all the details and told me Truist analyst will contact me. Branch representative assured me funds will be returned. 

Several days later, I received email stating that my fraud claim has been denied. I was never contacted by Truist analyst. I called the analyst several times using the number on the form that they sent but received no response. Their statement stated that I benefited from this fraud which is not true. Analyst never called me to ask for any details and denying the claim was completely opposite to what they told me at the Truist branch, where they assured me funds will be returned as Truist offers fraud protection. 

Truist also states that all deposits are protected and FDIC insured. They have several sections on their website stating they offer security and deposit /fraud protection. I have been their customer for 20 years and they simply denied this claim without asking for explanation, any details even though they state customer deposits are safe.

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 2024-08-05 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) has provided documentation that they were retracting negative information. They also provided a copy of the electronic submission to Transunion requesting the deletion of negative information. Transunion previously indicated 60 days to take action, but this is unacceptable due to the undue hardship this is causing. I'm seeking to have this corrected immediately. I have been negatively impacted for nearly a year.

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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: LA

Complaint narrative:
At first I absolutely loved sofi, especially how you can do everything in the app from investing to creating savings vaults. However my opinion has greatly changed since my account was restricted a week ago. Money can come into my account but not out. I've called every day since for an update but they won't give me answers due to it being under review by their " internal review team ''. I have been unable to access my funds at all and I'm about to default on some bills, thank good I have a good relationship with my father who is helping me for the time being. I'm extremely frustrated that they will not give me any answers on how to resolve this or even why it was restricted in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the 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

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 2024-08-05 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my 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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Spring Oak Capital concerning an unresolved issue with a disputed item on my credit report. Despite my repeated attempts to resolve the matter directly with Spring oak Capital, the disputed item remains inaccurately listed on my credit report, causing significant damage to my creditworthiness and financial well-being. 
Background : In XX/XX/year>, I disputed a collection account listed by Spring Oak Capital on my credit report. In XX/XX/year>, it appeared on my credit report via XXXX XXXX XXXX  website as deleted. But the disputed item has not been deleted from my actual Credit PROFILE with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: GA

Complaint narrative:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Protection Under Section 605C of the FCRA Dear Equifax, I am writing to inform you that I am a victim of XXXX XXXX and to request your assistance in protecting my credit information as per Section 605C of the Fair Credit Reporting Act ( FCRA ). Due to the nature of my situation, I am deeply concerned about my safety and privacy and am unable to approach law enforcement for help.

Section 605C of the FCRA provides for certain protections for victims of trafficking, and I am requesting that you take the necessary steps to shield my personal information from being disclosed. It is crucial for my safety and well-being that my identity and location remain confidential.

Please respect my wishes and ensure that my information is handled with the utmost care and discretion. I trust in your ability to protect my identity and prevent any further exposure that could compromise my safety. I have the right to keep my information confidential.

I HAVE ATTATCHED A LETTER WITH ACCOUNTS THAT NEED TO BE REMOVED. 
Thank you for your understanding and prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had XXXX fraudulant charges made on my XXXX XXXXXXXX charge/credit card XXXX XXXX years ago. All of the charges were made by a foreign company that I never heard of. If you were to run a internet search. This company defrauded thousands of people. XXXX XXXXXXXX had XXXX of customers complain abou this companys unauthorized charges. Yet they kept letting the fraudulent company defraud their company. 
XXXX XXXXXXXX told me they would not refund my money, ,because I should have know I was being defrauded so it is my fault. I am sorry but that is ludicrous. Who woul knowingly let some XXXX withdrawl money from their account and steal their money. 
XXXX XXXXXXXX also charged overdraft fees every time a purchase was made on the card fo rthese fradulent charges ... .If hundreds and thousands of customers. Alert a XXXX XXXX. That a company is stealing money from its customers. Should the bank be responsible to not allow the fraudulent company make any charges to it customers? If they know customers are getting ripped off and do nothing about it. Arent they liable? They will not refund my money or the fees they charged me. They took money out of my checking account to cover the credit card fees and charged me over draft fees. It also worth noting. The credit card/atm card- was never ever used in years by anyone. The only one to use it. Was the fraudulent company. And the person that had posession of the account is disabled. Is and has been in a guardianship ordered in court. This person is not responsible to pay for any bills or sign any legal paperwork.

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 monetary relief