vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 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:
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: DailyPay, Inc
State: LA

Complaint narrative:
I took a " payday advance '' from DailyPay. They provided the money straight to my card, however on Friday when the rest of my paycheck was due, it never showed up. When I double checked the pay information, I noticed that they had the wrong account number. I called daily pay to tell them this, and customer service has been less than helpful.

They were rude, unprofessional, and blamed me for the problem. They insist that I was the one who put that information in. They passed the problem off and told me to call my bank ( branch ). Branch was very helpful, but told me that they needed a 15 digit trace number to be able to assist. They informed me that I was legally entitled to this information. I asked DailyPay for this information, and was told " we'll escalate to a specialist and ask that they follow up with you ''. 

I asked several times whay the turnaround time was and the answer was never consistent. I asked what the process would be if I never heard back and no was told that my information would be " pushed '' to the same team. 

This company has no accountability, no compassion, and no caring for the fact that my entire XXXX dollar check is nowhere to be seen, 4 days before XXXX. 

XXXX negligence is nothing short of criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MO

Complaint narrative:
I had paid XXXX dollars on the car gap paid thier portion and they sold it at an auction for XXXX but the put on my credit that charge off is XXXX. I tried to pay it they were being rude so I couldnt adjust the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that has been re-reported by XXXX. XXXX, XXXX, located at XXXX XXXX XXXX, XXXX XXXX, MN XXXX, on my credit report. The details of this dispute are outlined below : Background Information : Previous Deletion : In XXXX, the information provided by XXXX. XXXX, XXXX was deleted from my credit report after being found inaccurate. 

Re-reporting Without Notice : Despite the previous deletion, XXXX. XXXX, XXXX has re-reported this inaccurate information on my credit report without sending me the required 15-day notice, as mandated by the Fair Credit Reporting Act ( FCRA ). This is a clear violation of my rights.

Violation of Privacy and Lack of Consent : As a consumer, I have the right to privacy, and I did not give XXXX. XXXX, XXXX permission to obtain or report any information related to my credit or personal data. Under 15 U.S.C. 1681b, no third party, including XXXX. XXXX, XXXX, may access my credit report or report information to the credit bureaus without my express written consent.

The re-reporting of this information without my consent is not only a violation of my privacy rights, but it may also be considered identity theft under applicable consumer protection laws. 

Thank you for your attention to this matter. I look forward to your timely response and resolution of this 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 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

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 debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you 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  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX XXXX XXXX. Please delete the following accounts. CAPITAL ONE Acct number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: CITIBANK, N.A.
State: OK

Complaint narrative:
I was charged {$130.00} for personal training on XX/XX/XXXX by XXXX XXXX XXXX XXXX  XXXX XXXX XXXX The merchant is located at XXXX XXXX XXXX, XXXX XXXX, XXXX. The merchant claimed in there statement response to Citibank that I did not request cancellation. I however requested cancellation on 4 separate occasions. Gym 's can be notorious for declining to process a customers cancellation request in an effort extend the recurring charges to the member. 

( A ) On XX/XX/XXXX I prepaid for four individual weeks total personal training sessions ( month of XXXX ). 

( B ) On XX/XX/XXXX, the gym opened. 

( C ) On XX/XX/XXXX, I was charged {$130.00} for two personal training sessions to begin in the month of XXXX. This charge occurred after I requested cancellation in person at the gym facility, with a representative by the name of XXXX on XX/XX/XXXX. This is more than 30 days advance of the month of XXXX, which is what the {$130.00} charge on XX/XX/XXXX was applicable for. 

First time I requested cancellation in person on XX/XX/XXXX. This request was not processed by XXXX XXXX due to employee error. 

Second time I requested cancellation on XX/XX/XXXX. 

Third time I requested cancellation on XX/XX/XXXX. 

Fourth time requested cancellation on XX/XX/XXXX, and it was only after this charge that the cancellation request was processed. This gym facility opened on XX/XX/XXXX and I do not believe the staff was adequately trained to handle my cancellation request hence the reason it took four separate attempts to cancel. 

The {$130.00} charge incurred on XX/XX/XXXX was for prepayment of personal training sessions on XX/XX/XXXX and XX/XX/XXXX. I was charged the {$130.00} for personal training charges for services that were not rendered as my last session with my personal training was on XX/XX/XXXX and the statement from XXXX XXXX also indicates that my last personal training session was on XX/XX/XXXX. 

I have provided supporting documentation to Citibank and my dispute status is still indicated in favor of the merchant ( XXXX XXXX ) who claim no notice of cancellation was received. I have no other credit disputes on my card with Citibank in the last XXXX years so it is not common for me to dispute a charge with a merchant. However, in this instance, the staff did not process my cancellation request and it took three additional requests before the merchant finally cancelled the recurring charges. 

Citibank Customer Service po box XXXX XXXX XXXX, SD XXXX XXXX CITIBANK CASE ID : 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 2024-12-21 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-21 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: First Technology Federal Credit Union
State: FL

Complaint narrative:
Formal Complaint Regarding {$300.00} Bonus Promotion I am writing to formally lodge a complaint regarding your recent promotional offer, which promised a {$300.00} bonus upon meeting specific eligibility criteria. Despite fulfilling all the stated requirements, I have yet to receive the bonus within the promised timeframe. 

As part of your promotion, I was required to : XXXX. Open an account during the promotional period. 
XXXX. Make three consecutive payroll deposits, each totaling {$1000.00} or more, over three months.

I successfully completed these requirements by making qualifying payroll deposits in XXXX, XXXX, and XXXX. After not receiving the {$300.00} bonus within the promised timeframe, I contacted your customer support team via chat. Your representative confirmed that the three payroll deposits required for the bonus were indeed made. Despite this confirmation, I was informed that the bonus will not be paid out, which is entirely unjustified and contrary to the terms of your promotion.

The failure to honor this promotion reflects poorly on your institution and undermines the trust customers place in your credit union. This situation has caused me considerable frustration and inconvenience.

The resolution I seek is simple and fair : I request that the promised {$300.00} bonus be credited to my account immediately as per the terms of the promotion.

If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint further. This may include filing a formal complaint with relevant regulatory bodies and seeking additional remedies to address this issue.

I trust that First Tech Federal Credit Union values its customers and adheres to its promotional commitments. I expect your prompt response and resolution to this matter. Please respond within [ reasonable timeframe, e.g., 7-10 business days ] to avoid further escalation.

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 2024-12-21 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-21 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account XXXX XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-21 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: WA

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
Did not receive disclosures of sale and continue to report balance on credit report and no payment.received despite the sale and at the time the sale the balance of the loan being {$4000.00} below current market value. No balance should remain and the third party reimbursement charges are fraudulent, not reasonable and therefore illegal and therefore sale and distribution of funds was fraudulent. To date no paperwork or disclosures of how funds were distributed was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had fraud happen to my bank of america account. A XXXX XXXX  of mine and her XXXX  deposited two checks into my account. The checks were claimed and I ended up in the negatives.I thought I fixed the problem and I left Bank of America just because I felt uneasy about the situation. A year or so later I tried to open a credit card at XXXX, and the bank associate told me I was flagged or banned for opening a bank account. I went to contact Bank of America again and they let me know I money owed {$1100.00} or so to the bank. I dont quite remember the reason, but I paid that and I tried to open an account again and it says I am still blocked. Even the bank associate said I see you did pay off your debt, Im not sure why you cant open an account .I just want to know what the issue is because I am trying to become a business owner and I need a stable bank.

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 2024-12-21 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was financing the car but the dealership sold the car to me XXXX but when I looked on the blue value book the the car was XXXX and gap didnt pay the full amount they was supposed to pay for the sensors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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 2024-12-21 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: NC

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the 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