vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: UT

Complaint narrative:
I am unable to withdraw from my Credit Karma spend ( checking ) account, with no explanation as to why. The support team said they could see the decline, but could not explain why the declines are happening. They tried offering workarounds ( use the virtual card, wait a few minutes and try again, etc. ) which all either did not work or are not options. I received no notification of the decline for verification ( such as if they declined it for suspected fraud ), no option to verify the payment, and no information in the account portal on the decline. The withdrawal attempts are well within their daily limit of {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
According to your investigation of XXXX Inquiry reporting per a membership I pay through to let me see all XXXX bureaus it appears as of XXXX XXXX, XXXX claims there is no such statment and there is!!! If you cant get it removed I will then alert the FTC about the insubordination reflected by this! I am going to break this down into 3rd grade language for you Experian Credit Bureau charges me a certain amount of money ea month to process 3 bureaus, they are as listed XXXX. XXXX XXXX. Equifax XXXX. XXXX XXXX one has a report that XXXX supposedly monitors and what that means is This business is to UPDATE accurate information with ACCURATE dates- something of which they DO NOT DO, you seem to be fine with this- for what reasons I have no clue but for the information to be listed as a LIE to make me look bad and unreliable your willing to accept it. 
This inquiry is on Equifax 's report handled through XXXX that is what a membership does, why you cant grasp it I don't know, but my patience is run out! The inquiry is dated XXXX XXXX and is supposed to be removed XX/XX/2024. What year is this now? XXXX what month is it now? well looks like it is XX/XX/2024 about to go into XX/XX/2024 I have sent print outs to both parties by MAIL that's United States Mail and this was done 2 weeks ago, it does not take a flipping month for mail to arrive unless the carrier cant read! And to this day the dang information is still there pending as a LIE! I don't need to refresh my browser, I don't need to format my entire computer to clear something XXXX XXXX wont remove and XXXX ignores it. What is the excuse this time?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: PA

Complaint narrative:
Account name : XXXX Account number : XXXX I just recently looked at my credit report and noticed that some accounts have a late payment. 
Reinvestigate this concern and update payment on XX/XX/year> and XX/XX/year> to pay on time. Delete 30 day late from my credit report immediately due to violation of 15 USC 1681s-2 ( f )

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 2024-05-18 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: PA

Complaint narrative:
Account name : XXXX Account number : XXXX I just recently looked at my credit report and noticed that some accounts have a late payment. 
Reinvestigate this concern and update payment on XX/XX/24 and XX/XX/24 to pay on time. Delete 30 day late from my credit report immediately due to violation of 15 USC 1681s-2 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-19 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: NY

Complaint narrative:
I have reviews my consumer report and I notice that I have 2 late payments that I have never late for the consumer agency have assumed a vital role and have responsibility to report consumer information to their best of their ability with maximum accuracy I have never been late on payment for the account that I have had including screen shot of this complaint and of dates of XX/XX/year> and XX/XX/year> please investigate and provide provide of late payment. If prof cant be provided I demand paid on time. Thank you please see screenshot

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 2024-05-19 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: NY

Complaint narrative:
I have reviews my consumer report and I notice that I have 2 late payments that I have never late for the consumer agency have assumed a vital role and have responsibility to report consumer information to their best of their ability with maximum accuracy I have never been late on payment for the account that I have had including screen shot of this complaint and of dates of XX/XX/year> and XX/XX/year> please investigate and provide provide of late payment. If prof cant be provided I demand paid on time. Thank you please see screenshot

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Customer Service was unable to access my account. Customer Service unable to send me valid verification number to access account. XX/XX/year> copy of automated response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I inherited an IRA from my mother several years ago and until recently JP Morgan Chase wouldn't discuss the account with me. I tried back in XXXX to have the account transferred and JP Morgan Chase refused saying I needed to provide a local death certificate even though the valid government document of death out of country was provided. Since then I have been in Chase local branch about 8 times trying to get this account closed. I have filled out the requested form three times and faxed along with the death certificate. I am always told it will take a few weeks and nothing happens. I call JP Morgan Chase and the usual is they don't have the paperwork and I need to go into the local branch and withdraw funds. However at the local branch the account has a code that will not allow the withdrawal of funds. The local branch calls JP Morgan and they don't know what the code is so they tell me to fill out the form and send again. This vicious cycle of passing the problem instead of actually spending the time to fix it is infuriating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: CA

Complaint narrative:
I am against this algorithm XXXX XXXX. The scoring system does drastic things from XXXX day to the next, even though a person 's situation has improved it can wreck havoc across your credit report in a negative way. For example when the system on credit karma was implemented from XXXX to XXXX, my XXXX XXXX dropped XXXX pts immediately without any explanation, and more recently this is my same complaint. I had a XXXX XXXX XXXX across XXXX bureaus, Transunion and XXXX, for over 8 months straight without change. I opened a chime checking acct and my score increased XXXX pts I opened a chime credit builder acct, and it climbed another XXXX pts. I thought this is great, I am finally on track to improving my score, also I connected that credit builder acct to XXXX XXXX to get added benefits. I then opted out, and sent in a police report to clear off XXXX of the debts listed. So in less than 60 days, I opened a checking acct, credit builder acct-paid off some bills, removed XXXX debt off the report, and opted out. All of these things were recommended by XXXX XXXX, I was awarded a higher score for about 13 days, and I was happy to be clearing these things up. XX/XX/XXXX I wake up to an email from XXXX XXXX saying that my credit score changed, my score had plummeted XXXX pts. across both bureaus and there was absolutely no reason for it. No negative changes can be seen on either end, mine, or the TransUnion computers. They gave me some excuse about it being an algorithm out of their control and stated it doesn't matter what I do to try to increase my score, because it's all based on an algorithm. This algorithm is ruining my life and no one can tell me why or stop it. I also reached out to XXXX without any response. I have escalated this with TransUnion, but I feel this is beyond their control, they are subject to this algorithm as well. I need help, this has to be affecting more people than just me. If a person CAN NOT affect change regarding their own credit score, then it seems like a trap that one can not remove themselves from. I'm like a rat in a trap who keeps struggling to get out but no matter what I do it's ineffective. I should be made available all of the information they are using to make determinations regarding my score which severely affects my life and the ability to live in society as others do, it is my information after all.

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 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
From last XXXX ( XXXX ) until this XXXX ( XXXX ), I have a lot of unknown transaction from XXXX. As soon as I realized them, I filed claim but XXXX denied the case. I gave them additional documents to make them re investigate. But they denied agian the claim. 
Especially XX/XX/XXXX, there are 22 transactions from XXXX in a row. I never ever paid that much transaction from XXXX. I have a car so I ve never used XXXX before. Please help me I need your help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hi Im trying to get help form pay pal to get a card they wont give me a new card when I opened a new account up because I had a account there closed it out on there own with out my knowledge so I want them to give me a card

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 2024-05-18 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:
I am writing to submit a formal complaint against the Department of Education and any affiliated student loan servicers for violations of my federally-protected privacy rights pertaining to the handling and disclosure of my confidential student loan records and data. 

Under the provisions of the Family Educational Rights and Privacy Act ( FERPA ) ( 20 USC 1232g ( b ) ), all student loan information maintained by the Department of Education is considered a protected education record subject to strict privacy controls. Unlawful dissemination or release of these records can constitute a FERPA violation.

It has come to my attention that there have been improper actions related to the treatment and sharing of my private student loan details by the Department and/or its contracted loan servicers. Specifically, I believe my student records have been mishandled, inaccurately reported, or wrongfully disclosed without my consent.

Such actions would not only breach FERPA 's confidentiality requirements for education records, but also run counter to the Congressional intent behind the Fair Credit Reporting Act outlined in 15 U.S. Code 1681. This statute emphasizes the need for consumer reporting agencies to uphold accuracy, fairness, and respect consumer privacy rights per section 1681 ( a ) ( 4 ).

Given that FERPA deems student loan data as protected education records, improper treatment or disclosure violates not just FERPA but also the FCRA 's mandate for exercising consumer privacy responsibilities with impartiality and proper regard for confidentiality as stated in section 1681 ( b ).

I am requesting the CFPB to immediately open an investigation into this apparent violation of my statutory student privacy rights by the Department of Education and any involved student loan servicers or contractors. Failure to safeguard my protected records is unacceptable.

Please advise on the corrective actions and enforcement steps your agency will take to address this complaint, ensure accountability, and prevent any future infractions against lawfully-required student data privacy and confidentiality standards.

Thank you for your timely attention to this serious matter of protecting student privacy rights.

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 2024-05-18 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: NJ

Complaint narrative:
I looked at my report back on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter on XX/XX/2024, and here is my tracking number XXXX. I received the investigation back but noticed nothing was modified. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that you, Equifax credit reporting agency , block information appearing on my consumer report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items have resulted in fraudulent items appearing on my consumer FICO credit report. Ive attached a list of the fraudulent collections FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned items as reported. The aforementioned items appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned items are the result of identity theft, and fraud. I have attached a copy of my police report as proof that all of the aforementioned consumer credit delinquents are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. TransUnion ( Account # XXXX ) has violated my rights. 15 U.S.C. 1681 section 602A. states I have a right to privacy. 15 USC 1681 section 604A : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2024-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: MA

Complaint narrative:
I opened this line of credit with XXXX XXXX in XX/XX/XXXX. I had no problems with drawing money from the line of credit or making payments on the line of credit with XXXX XXXX. The problems started when the line of credit transferred to SoFi on XX/XX/XXXX. 

SoFi has incorrectly calculated my XXXX, XXXX, and XX/XX/XXXX payments. In addition, they have incorrectly applied my payments for XXXX and XX/XX/XXXX. Specifically, even though I paid the statement balance in full for those two months, they unilaterally applied a portion of the payment to the principal rather than only applying to the outstanding interest. As a result, after my XX/XX/XXXX and XX/XX/XXXX payments, SoFi said I had a small past due amount. If I had not been paying close attention to my SoFi portal, I would not have noticed this past due amount and would have incurred a past due fee and presumably a negative mark on my credit report. 

I have attempted to resolve this issue with SoFi multiple times. They have been extremely unhelpful and have said they need to investigate and will get back to me. They have always failed to get back to me. 

I am not sure if SoFi simply has buggy software or if they are intentionally misapplying payments to cause people to rack up extra fees. Regardless, this is unacceptable and their lack of customer service is appalling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: Nelnet, Inc.
State: TX

Complaint narrative:
I am writing to file a formal dispute and complaint regarding a potential violation of my privacy rights under the Family Educational Rights and Privacy Act ( FERPA ) and the Fair Credit Reporting Act related to a student loan issued by the Department of Education.

As per the Family Educational Rights and Privacy Act ( 20 USC 1232g ( b ) ), which protects the privacy of student education records, my student loan details and information should be treated as confidential education records by the Department of Education and any other entities servicing or handling my loan. 
However, I have reason to believe that my private student loan information XXXX have been improperly shared, disseminated or reported without due care, fairness and confidentiality protections as mandated by 15 U.S. Code 1681, which outlines Congressional findings on the need for accuracy, fairness and respect for consumer privacy in credit reporting.

Specifically, section 1681 ( a ) ( 4 ) states there is " a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Furthermore, section 1681 ( b ) highlights the purpose of having " reasonable procedures '' for entities dealing with consumer information to ensure " confidentiality, accuracy, relevancy, and proper utilization of such information. '' I am concerned that my private student loan data, which should be safeguarded as an educational record under FERPA, XXXX have been mishandled, improperly shared or inaccurately reported, thus violating both FERPA and the Fair Credit Reporting Act 's intent of protecting consumer privacy. 
As such, I urge the CFPB to investigate this matter thoroughly and take appropriate enforcement action to uphold my student privacy rights and ensure compliance with all applicable privacy laws by the Department of Education and any other entities involved in servicing my student loans. 
Thank you for your attention to this serious issue. I look forward to your prompt action and response regarding this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Kikoff Inc.
State: NC

Complaint narrative:
I have no knowledge of account and wont it removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/24 i went to a XXXX dealership to lease a new car. I was told a specific bank was going to be my lender then i started to get emails from all these banks that ran my credit, 8 total!!! 
here are the names : XXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I never authorize any of these banks to get a copy of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX {$780.00} Act : XXXX Phone : XXXX - XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX Account : XXXX Phone : XXXX XXXX - XXXX Address : XXXX XXXX Ave. XXXX XXXX XXXX MN 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