vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
There was a charge : {$160.00}, by a merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that should have fallen off, because the charge was canceled the next day. 
Instead the charge was posted. Initial conversations with XXXX were fruitless, due to a system error that caused the charge to not show in my files at XXXX. 
I contacted my bank, XXXX XXXX, to issue a charge back. 
XXXX from XXXX has been almost non-existent. I went 2 full weeks without any update, and had to make repeated calls just to get access to the email they said they sent me, which they never did, and magically forwarded to me. 
Federal law states that they have to give me information about a dispute within 3 business days, and I received nothing for a minimum of 10 business days. 
I have had multiple correspondence with the Merchant, XXXX XXXX, and have confirmed with them that, yes, the charge back request was fully completed on their end, and they don't have access to the funds anymore, as it's been sent back to SoFi, as requested. 
XXXX has sent me copies of their correspondence with Sofi. 
Sofi, however, has repeatedly refused me access to account managers, refused me updates on the dispute, lied to me about their own company policies, lied to me about correspondence with XXXX, and lied to me about Amount that was to be returned. 
They claim they can not expedite the process, which is false, because any bank can choose to expedite their own investigation process and credit an account held by their institution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, National Credit Adjusters placed a collection account on my record ( XXXX XXXX, XXXX and XXXX ) for an amount of {$310.00} as a debt buyer. I happened to view my credit report and noticed this debt. I was never contacted by phone or letter about this debt prior to it being reported. I have lived at the same address and have had the same phone number for the last 7 years. I recently moved but I updated my current address with the credit bureaus as well as forwarded my mail. I feel the company could have contacted me and validated the debt. I did not know what it was for. Until recently I was made aware through viewing my credit report, they updated the collection to add XXXX XXXX XXXX. I disputed the collection with all three bureaus requesting a validation of debt and all came back as verified as accurate. I disputed this debt on XX/XX/XXXX with no response and on XX/XX/XXXX and it came back as validated. I have never heard of this company and to my knowledge I thought XXXX XXXX XXXX was paid in full. I never once received a phone call or letter in the mail regarding an outstanding bill. How can they place something on my credit and damage my good credit history without contacting me and giving me a chance to verify the debt and to pay?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This company is sharing non public personal information about my relationship with this company in particular they are sharing my credit utilization percentage with non affiliates to which it is in conflict with the fair credit reporting act 15 USC 1681 ( 2 ) ( a ) ( i ) exclusion from a consumee credit report clearly states ( A ) EXCLUSIOS- Except as provided in a paragraph ( 3 ), the term consumer report does not include - ( A ) Subject to section 1681s-3 of this title, any - ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report and in has been well established that credit utilization percentage is a transaction and experience to which should be excluded.

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 2024-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am in active XXXX  XXXX bk and I have provided all the information to Pen Fed including my case number. The representative advised me that they wont stop until they verify Ive told the truth because customers lie. Ive sent the information since Monday the XXXX and they were notified by my attorney since XXXX. It is causing me great distress

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 2024-03-23 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: PA

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. 


I sent letters to XXXX, XXXX, and Equifax as well as use a third part service such as XXXX XXXX to make disputes asking them to verify and comfirm the accuracy of the the following accounts : XXXX XXXX XXXX XXXX  and if they couldn't show proof by law have to remove those accounts. However, after sending those letters and disputing with XXXX XXXX I wasn't notfied about the status of my investigation or given any proof that states these accounts are verified and accurate. Therefor these accounts should be removed but that wasnt the case. I also have proof of the inaccuracies with these accounts across all 3 credit bureus. I am also concerned as to why I have seen no changes to my credit report after making several attempt to reach out to diffent credit reporting agencies. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 non-monetary relief
Consumer complaint received 2024-03-23 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: PA

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. 


I sent letters to Experian, XXXX, and XXXX as well as use a third part service such as XXXX XXXX to make disputes asking them to verify and comfirm the accuracy of the the following accounts : XXXX XXXX XXXX XXXX and if they couldn't show proof by law have to remove those accounts. However, after sending those letters and disputing with XXXX XXXX I wasn't notfied about the status of my investigation or given any proof that states these accounts are verified and accurate. Therefor these accounts should be removed but that wasnt the case. I also have proof of the inaccuracies with these accounts across all 3 credit bureus. I am also concerned as to why I have seen no changes to my credit report after making several attempt to reach out to diffent credit reporting agencies. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-03-23 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: 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. 

Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX  : Account XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 2024-03-23 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: NC

Complaint narrative:
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 XXXX ) has violated my rights. 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 an 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 2024-03-23 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: U.S. BANCORP
State: MI

Complaint narrative:
I was gifted a prepaid {$100.00} XXXX  in XX/XX/2023. It appears to be through XXXX It came with a sticker saying I must activate the card online or via phone to be able to use it online. I tried XXXX times online and every time it continued to say try again. I then tried to call the phone number and activate it that way. It continued to say the security code was incorrect which it clearly was not. I tried this XXXX times to confirm numbers and got the same error. I then called back to see if I could speak to a live person. When you call there are no prompts it just asks you to put in a card number. I continued to say " customer service '' thinking it would direct me to someone but it continued to say it didn't understand and would hang up.

I then went to their website and hit " contact us ''. The only thing on there was the same phone number I have already tried.

I would like to eb able to use the money I was given by my family for XXXX and it's very frustrating thar I can't even find a person to talk to.

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 2024-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
This credit report ( HYUNDAI MOTOR FINANCE ) has been cleared off the other XXXX bureaus yet XXXX still has this on my credit after XXXX  years. I was young then and of course made mistakes that I have learned from. Im trying to get my credit where it needs to be and this is hurting me. I just want to see it removed please. XXXX  years of being denied a vehicle and honestly Im just ready for a new beginning and fresh start. 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 explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
Well I was sending my money which was legitimate to pay for property and the bank teller was asking all types of questions as if I was a criminal. This happened on XX/XX/XXXX in the amount of {$500.00} and I was told by the representative that my account was being investigated and will be set up for closure and I would receive a letter in the mail which is taking a long time. She stopped answering my calls. The name of the bank is US 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 2024-03-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america owes me for XXXX claims still that were made over XXXX yrs ago. My end benefits were stolen and I want my claims payed to me. I'm a single mother of XXXX and need this money to pay my rent so I don't loose my home. I don't want to end up homeless. They need to reimburse me instead of denying my claims. They have a policy that says they will investigate each claim and if they can't resolve it in XXXX  days they will give customer provisional credit. It's been years and they have not provided me with that. These claims are the only ones left for them to pay me back for letting my benefits get stolen. I want my claims reimbursed 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 monetary relief
Consumer complaint received 2024-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ND

Complaint narrative:
Today, I'm here to shed light on a series of events that have significantly impacted t my life. On XX/XX/XXXX, while I lay in bed, a civilian collided with my parked car, rendering it a total loss. 

I am responsible individual, had taken out insurance for their XXXX XXXX XXXX. However, due to an unfortunate oversight, loan coverage was not selected on my policy. Despite this setback, XXXX XXXX stepped in and settled the claim, to the tune of {$11000.00}, effectively acquiring ownership of the vehicle in the process. 

Prior to this ordeal, I was battling a XXXX XXXX XXXXXXXX, leading to frequent XXXX  visits throughout the month of XXXX. Despite my health struggles, I arranged with Toyota Financial Services to make my XXXX car payment ( ask for a transcript of the recorded phone call which I was denied ), which was fulfilled on XX/XX/XXXX. 

Now, what transpired next is nothing short of negligence on the part of Toyota Financial Services. Despite explicit instructions from their loss department to cease payments during the total loss process, they proceeded to inflate my XXXX payment from XXXX to XXXX. What's more, they failed to allocate the {$11000.00} settlement towards the outstanding balance, compounding my financial burden. And obstructing the information needed to finish the Gap insurance claim its now XX/XX/XXXX and is still on going. 

I implore you to consider the circumstances i have endured. The victim of an unforeseen accident, compounded by health challenges, and now find myself entangled in a web of financial mismanagement. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
Never paid amount to credit card companies, was supposed to pay {$10000.00} to XXXX XXXX  and XXXX but never did asked about it and was told it would be paid after I paid loan off. Paid loan off and money was not sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Collection Account and Violation of Consumer Rights To Whom It May Concern, I am writing to dispute the collection account that has been placed on my consumer report by your agency, as well as to assert my rights under relevant consumer protection laws. Firstly, it has come to my attention that your agency has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this omission, you have proceeded to report this collection account on my consumer report, which constitutes a violation of my rights under federal regulations.

Also, I have not been afforded the opportunity to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide me with the necessary avenues for dispute resolution is a clear violation of consumer protection regulations.

Moreover, I assert that your agency is engaging in false, misleading, and deceptive practices by reporting this collection account without adhering to the requisite legal standards. This conduct violates my consumer rights and undermines the integrity of the credit reporting system.

Furthermore, if you claim that proper notification was provided, I demand conclusive evidence to support this assertion. Please furnish me with the certified mail receipt, along with my signature acknowledging receipt of such notification. I challenge your agency to produce any document bearing my signature confirming receipt of the alleged debt notification. Failure to provide such evidence will only reinforce my belief that your attempts to collect this debt are baseless and unfounded.

Additionally, I dispute any and all ownership of the alleged debt to your agency. I hereby revoke all rights of communication with me via phone, text, or email. Henceforth, all correspondence must be conducted through written communication sent to the address listed above.

In conclusion, I demand that SPRING OAKS CAPITAL LLC cease all collection activities until such time as you can provide adequate validation and verification of this alleged debt. I expect a prompt response to this dispute within legal time frame. Failure to comply will leave me with no choice but to pursue all available legal remedies to rectify this matter.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 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: 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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 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 2024-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I called a couple of times to request a lower payment but they wanted me to make a payment right away and I couldnt until my next pay day but they said they couldnt wait

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
One main from what I understand added something on to the agreement

Company response to consumer: Closed with explanation