vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXX of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date XXXX XXXX XX/XX/XXXX & XXXX XXXX Date of XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am a 15 year member with USAA. On XX/XX/2024 I attempted to deposit {$300.00} cash at a XXXX drive-up ATM addressed at XXXX XXXX XXXX XXXX XXXX XXXX, Ohio. I inserted my USAA debit card, inputted my pin, selected the deposit option, stated I was depositing {$300.00}, the door on the ATM opened and I inserted the XXXX hundred-dollar bills. The door closed and the ATM froze. I was unable to make any selections at all on the screen and/or keyboard. The screen was showing a message of 'do you need more time? ' with a yes or no option. my debit card was locked into the machine, and the {$300.00} was unrecoverable. I sat in the drive through ATM for about 20 minutes attempting to recover my debit card. My wife called the XXXX customer service and was told the issues we were experiencing was 'not their problem ' and 'needed to be directed towards my ( USAA ) bank. Eventually I got fed up and ripped my debit card out of the machine and went home, with the ATM still frozen. I was not given a receipt by the ATM but I figured between the cameras and debit transaction log it wouldn't matter. I recorded the event on my phone and called the XXXX police, but they refused to make an appearance. I made more attempts to contact someone on the XXXX and the XXXX and the XXXX and was told every time by XXXX XXXX  that ( USAA ) needed to file the dispute on my behalf, I did not have the 'authority ' to file a dispute against XXXX XXXX. USAA not only once, but twice sent me denial letters stating I have no proof of the event and the case was essentially closed. The letter provided by USAA stated I needed to 'pursue this issue with the ATM owner '. So, to summarize, XXXX XXXX  won't work with me and is telling me to have USAA file the dispute, while USAA is refusing to step up on my behalf and file the dispute to recover the {$300.00} from the malfunctioned ATM machine. I feel there is gross negligence in this scenario by both parties and the ATM owner as well, which did not have any visible serial numbers, emergency contact information, or other ways to identify the machine. I refuse to accept the answers from both of these banks ; this is not consumer protection. When an ATM malfunctions, I should be represented and protected by my bank and the owner of the ATM should be more than willing to rectify the situation. I firmly believe USAA has failed to request the data log of the ATM machine ; I also firmly believe this could be easily resolved by simply looking at the camera as well. I AM HUMBLY REQUESTING OVERSIGHT TO THIS VERY SERIOUS MATTER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Creditors Bureau Associates
State: AL

Complaint narrative:
I've tried disputing the collection accounts against me and have supplied proof of where I was at the time these services were allegedly rendered. It's hard to be at a hospital while serving a XXXX  year prison sentence. And I've sent this information into the collection companies and the company who started the collections and since identity theft applied my personal information was breached and taken during the XXXX data breach!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: DISCOVER BANK
State: CA

Complaint narrative:
Checked my credit report because I have tried to applied for XXXX credit card & was denied because of many late payments in my credit report and did not recognized nor know the 2 credit cards were opened in my name without my consent. XXXX & Discover was opened in my name, the bank and debt collectors never reached out to me letting me know this was happening and ongoing for 6 years. I have contacted both banks & filed a police report but havent heard anything back yet.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Review your dispute letter Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : XXXX xxxxxxxxxxxx XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX xxxxxxxxxxxx XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX xxxxxx XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 non-monetary relief
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: EQUIFAX, INC.
State: IN

Complaint narrative:
Review your dispute letter Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

Please verify or remove immediately the following accounts : Syncb/Paypal xxxxxxxxxxxx XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Green Dot xxxxxxxxxxxx XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX xxxxxx XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I recieved an American Express Virtual Gift Card from my apartment complex for completing a reward program in regards to quality of the apartment 's experience and was awarded a {$50.00} virtual gift card. Unfortunately after almost 8 attempts to use the card. I am at a loss and would like to file a formal complaint and be compensated for my efforts and receive my reward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-18 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I booked a hotel in XXXX through XXXX XXXX XXXX using my Chase Freedom Flex card. The transaction amounted to {$98.00} and was recorded under Trip ID XXXX. 

Due to a severe flight delay, I arrived in XXXX at XXXX XXXX  on XX/XX/year>. Given the significant disruption to my travel plans, I contacted XXXX customer service to inquire about canceling my hotel reservation and obtaining a refund. During this call, the customer service representative assured me that a refund was possible and initiated Case number XXXX to process my request. The representative informed me that I did not need to take any further action and that the case would be resolved within 48 hours. 

Based on this assurance, I did not check into the hotel and relied on the promise of a refund. However, after waiting beyond the promised timeframe without receiving any communication or updates, I contacted XXXX XXXX to follow up on the status of my refund request. To my frustration, I received conflicting information from XXXX XXXX representatives, contradicting the initial assurance that a refund would be processed. 

Despite multiple follow-up attempts, I have not received a satisfactory resolution or clear communication regarding the status of my refund request. The inconsistency and lack of transparency in handling this matter have caused significant inconvenience and frustration. 

I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter and ensure that XXXX XXXX honors the initial assurance of a refund due to the exceptional circumstances caused by the flight delay. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
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 with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GREENSKY OPERATIONS, LLC
State: IL

Complaint narrative:
XX/XX/XXXX XXXX applied for this loan.. I did not. XXXX XXXX forced me against my will to sign those contracts. XXXX XXXX then evicted me and sold the home and got paid for all that work. 

XXXX XXXX got over {$80000.00} of my VA XXXX from the XXXX XXXX for selling that home with these loans and credit cards on that home. 

XX/XX/XXXXXXXX, XXXX XXXX, and Greensky LLC are very dishonest and stole XXXX of thousands from this XXXX veteran and his family. We cant make repairs on this home pur first home we ever owned per federal law because of this fraud committed against us by XXXX XXXX and XX/XX/XXXXXXXX. This was fraud and identity theft my government sources have repeatedly told me so and told me not to give up this fight. Im a XX/XX/XXXX veteran and XXXX XXXX slapped me on the back in XXXX. I will not give up just like the XXXX XXXX XXXX XXXX XXXX told me not too... and I wont. 

I ate breakfast chow with people you all seen on TV. My teamleader is on the cover of XXXX XXXX XXXX. XXXX be damned if I continue to pay for a roof and siding on a home I never owned per federal law.

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: Chime Financial Inc
State: NY

Complaint narrative:
CHIME XXXX XXXX I CLOSED THIS ACCOUNT ON XX/XX/XXXX CHIME XXXX  IS STILL REPORTING FALSE INFORMATION TO ALL XXXX CREDIT bureaus ON XXXX THEY REPORTED I OWE OVER XXXX ON XXXX THEY ARE STATING I OWE {$520.00} I MADE NUMEROUS CALLS TO CHIME TO GET THIS CORRECTED THEY HANG UP ON ME MOST OF THE TIME CLAIMED THEY COULDNT SEND ME ACCOUNT CLOSE {$0.00} BAL INFORMATION THEY SAID THEY HAVE ESCALATED THIS MATTER SINCE XXXX NEVER RECEIVED EMAIL OR CALL BACK FROM THEM. THIS IS DESTROYING MY MENTAL HEALTH AND FINDING A PLACE TO LIVE TO THE POINT WHERE I WANT TO XXXX XXXX XXXX XXXX IVE BEEN HOMELESS SINCE XX/XX/XXXX AND IVE BEEN GETTING DENIED APARTMENTS BECAUSE OF CHIME REPORTING I HAVE FALSE DEBT I EXPLAINED TO THEM ON XX/XX/XXXX IF THEY CANT SEND ME THE DOCUMENTS I NEED I WILL BE REPORTING THIS AND PERSUE THEM LEGALLY THEY CONTINUED TO SAY THERE IS NOTHING THEY CAN DO

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I leased my new XXXX in XX/XX/XXXX through XXXX XXXX after turning in my other XXXX  when the lease was up with XXXX XXXX. My new lease started with XXXX XXXX in XX/XX/XXXX. I now had 2 different account # 's with XXXX XXXX one from my old XXXX and one for the new XXXX. When turning in my old XXXX I didn't realize I still had a {$78.00} balance on that account, therefore, online my account was showing the new account # for my new XXXX and the old account # for the old XXXX I just turned in. Both accounts were listed when I went online to make my first payment for my new XXXX in XX/XX/XXXX. Not paying attention, and this was the XXXX payment with the new account, I accidently selected the old account # with the {$78.00} balance to apply my new payment of {$520.00}. XXXX had reached out to me and I wasn't sure why since I knew I had made my payment and confirmed that the payment was made by looking at my bank statement, and the payment came out on XX/XX/XXXX. I just thought it was a clerical error on XXXX part and that they would figure out the mistake and correctly apply the payment and if not we would just do a true up at the end. I had my bank statement showing the payment was made. I have never been late on a payment and I have never missed a payment with all my years with XXXX XXXX. This is now affecting my credit and I have reached out to XXXX repeatedly starting around XX/XX/XXXX to explain what happened and ask to have the charge off removed. XXXX is stating that the charge off is legitimate. I made an honest mistake in selecting the incorrect account to apply payment, and XXXX even sent me a refund check for the difference of {$440.00} on XX/XX/XXXX. The refund was the difference of my car payment for the new account {$520.00} less the {$78.00} that was still on the old account. I spoke to XXXX again on XX/XX/XXXX asking what the check was for and the person I spoke to said it was a refund for the difference on my old account and to pay back the {$440.00} as good faith and I did that on XX/XX/XXXX. I'm asking for understanding and forgiveness for making an honest mistake. My payment history and credit history show that I always pay my bills and pay them on time. This was just a careless honest mistake of paying the wrong account #, but the payment was made just to the wrong account.

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 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Claim # - {$190.00} USD/ XXXX MXD The referenced claim was declined on XXXX occasions for reason of We requested, but didnt receive from you, a copy of the sales receipt or other documentation indicating the merchant charged the incorrect amount. 
I first uploaded the requested information to BofA at the end of XX/XX/XXXX. I received a decline letter, called the claims center and was informed they never received the additional information that I uploaded. I was instructed to resend the documentation and since I had little confidence in their internal processes for handling additional incoming claim information, I went to a Fed XXXX location, paid for the faxing service so that I could supply proof of transmission that I had in fact provided the information requested. This fax was transmitted to # XXXX on XX/XX/XXXX. I have the confirmation report if needed. 
As illustrated on page XXXX, the last entry shows Refund Dispersion, however my B of A credit card was never credited for the {$190.00} refund due. 
I feel that no work was done to investigate my claim and that the claims department simply waited until the claim " aged out '' and denied it a XXXX time. 
Thanking you in advance for your assistance in resolving this dispute.

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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # 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 Section 2 : 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 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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Re : Reporting To The Credit Bureaus To Whom It May Concern : I received a copy of my credit report about the bankruptcy below.

{ account_number } I was told from all 3 credit reporting agencies that you all report Bankruptcy to the 3 credit reporting agencies Experian.XXXX, and XXXX. If so that is a private matter Especially if you didn't report it. Any account thats reporting on a consumer credit report must list the agency who is furnishing the account and list your name as reporting it to the credit reporting agencies. Can you please reach out to me and let me know if this is true please. As I know that forgery of your name onto my credit report if you didnt report it directly as the furnisher. 
Thank you for your time and help in this matter. 

Sincerely, _____________________________________ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-18 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: TX

Complaint narrative:
I am writing to file a formal complaint and seek your urgent intervention regarding apparent violations of my federally-protected privacy rights pertaining to the handling and disclosure of my confidential student loan records and personal data by the Department of Education and its contracted loan servicers. 

The Family Educational Rights and Privacy Act ( FERPA ) deems all student loan information held by the Department of Education to be classified as protected education records under 20 USC 1232g ( b ). This imposes strict legal obligations to maintain confidentiality and privacy over this sensitive data. 

However, I have uncovered disturbing evidence that suggests my private student loan details have been mismanaged, improperly disseminated, and/or inaccurately reported without my explicit consent. Such actions constitute a flagrant breach of FERPA 's confidentiality requirements for education records.

Moreover, these violations appear to run afoul of the principles laid out in the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), which upholds the imperative of consumer reporting agencies handling consumer information fairly, accurately and with utmost respect for individual privacy rights per section 1681 ( a ) ( 4 ).

Given the status of student loan data as protected education records under FERPA, any unauthorized disclosure or mishandling fails to meet the FCRA 's stated objective of ensuring proper utilization of consumer data with necessary confidentiality safeguards in place, as mandated by section 1681 ( b ).

I urge the CFPB to immediately open a thorough investigation into these alleged privacy violations by the Department of Education, student loan servicers and any other actors who have compromised the lawful confidentiality of my student records. Such transgressions are unacceptable and unlawful.

Please advise on the specific remedial actions, enforcement measures and systemic corrective steps your agency will take to address this complaint, hold violators accountable, and uphold my statutory rights to student record privacy and confidentiality as guaranteed under FERPA and the FCRA 's provisions.

Thank you for your prompt attention to this grave matter impacting student privacy rights. I look forward to your official response and resolute action.

Company response to consumer: Closed with non-monetary relief