vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
Fraud Claim XX/XX/XXXX Claim numbers XXXX {$720.00} I need help resolving my fraud claim. I opened a fraud claim last summer. Your team denied my claim, even though I submitted a document from XXXX, stating that someone had illegally billed my account for their Invoices. XXXX immediately refunded several transactions and require that I reach out to chime bank and dispute the remaining transactions as XXXX could only go so far back. These transactions began in 2022. 

I have opened XXXX or XXXX rebuttals and they were all denied, and your team refuses to provide me with a reason for the denial. There is no one in that department that makes the decision to approve or deny a claim that a customer can speak to over the phone. We have to email Chime general customer service email for them to submit an auto-populated response. The response does no more than advise that you are denied and some one will get back to you with the documents utilized in the decision. When a response is emailed back with those documents it is only the documents that you submitted yourself as the customer when you opened your claim. I have been threatened that my account would be closed and hung up on by XXXX supervisors at the head of the claims team that you ARE able to reach via phone. Claim started out at over {$700.00} dollars. Claim was partially denied and emailed with a figure at $ XXXX and again with a figureat $ XXXX. All numbers are wrong. 

I have spent HOURS on the phone and email. Please research my entire claim and let me know who and what I need to do to get my XXXX dollars back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: NJ

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-10-15 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: EQUIFAX, INC.
State: NJ

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, I called Capital one to cancel my Capital One Venture XXXX card. There was a {$390.00} annual fee that was charged on XX/XX/XXXX which I was told will be refunded back to me as it was within 30 day limit when fees was charged. I paid in full on XX/XX/XXXX amount of {$420.00}, cancelled the autopay and did redemption of reward point of {$3.00}. Customer service representative went through multiple disclosures to close the account at the time and I was told that check of {$3.00} + annual membership of {$390.00} will be sent to me. I checked my account on XX/XX/XXXX and noticed that account was not closed. I immediately called customer service who told me that the person on that day didn't close the account and there is no way they would refund {$390.00} annual fees that I was promised. I spoke to supervisor which was not helpful. I asked to file a complaint and I was told that they would do it internally and there would not be any communication to me regarding this and also was told that her supervisors do not take any complaints via phone call or email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: TX

Complaint narrative:
I was advised by a Transunion and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these Fraudulent Unauthorized inquiries on my 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 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

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 2023-10-15 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: NV

Complaint narrative:
Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great.

importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively.

As a first step, I would appreciate it if you could provide me with details.

information pertaining to the alleged accounts, including any associated.

transactions, applications, or account activities. It is crucial that I review this.

information to assist in the investigation and help identify any fraudulent activity that may have taken place. 
Furthermore, I kindly request that you suspend all activity and remove the related. 
alleged accounts immediately, including any associated fees, charges, or penalties. 
I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent. 
I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 
XXXX XXXX  did a inquiry on XX/XX/2023 2023

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 2023-10-15 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: NV

Complaint narrative:
Considering these unauthorized inquiries, I kindly request your prompt attention and investigation into this matter. I am confident that your institution places great. 
importance on customer satisfaction and security, and I trust that you will take the necessary steps to resolve this situation effectively. 
As a first step, I would appreciate it if you could provide me with details. 
information pertaining to the alleged accounts, including any associated. 
transactions, applications, or account activities. It is crucial that I review this. 
information to assist in the investigation and help identify any fraudulent activity that may have taken place.

Furthermore, I kindly request that you suspend all activity and remove the related.

alleged accounts immediately, including any associated fees, charges, or penalties.

I expect that no adverse actions will be taken against me due to this unauthorized account activity, as I am not liable for any actions taken without my knowledge or consent.

I understand that resolving this matter may require some time, and I am prepared to cooperate fully during the investigation process. However, I kindly request that you keep me updated on the progress and provide me with regular communication regarding. 
the steps being taken to address this issue. 
Please be assured that I have taken immediate steps to protect my personal and financial information. I have changed my passwords, enabled additional security. 
measures, and alerted the relevant credit bureaus to monitor my credit reports for any suspicious activity. 
I want to express my sincere hope that this situation can be resolved amicably and swiftly. I believe in the professionalism and integrity of your institution and am. 
confident that you will manage this matter with the utmost attention it deserves. 
Should you require any further documentation or information from me, please do not. 
hesitate to contact me at the phone number or email address provided above. 
Thank you for your immediate attention to this matter. I eagerly await your response. 
and a resolution to this concerning issue. 
XXXX XXXX  did a inquiry on XX/XX/2023 2023

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 2023-10-15 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: GA

Complaint narrative:
my credit has merge with someone elses on transunion. i called and checked address and there were accounts on my file that didnt belong to me.this is only transunion. im not sure why its taking so long to correct this informatiion.

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 2023-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
15 usc 1681 section 602 : I have the right to privacy. 

15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666 ( b ) : 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 explanation
Consumer complaint received 2023-10-15 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: IL

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 A 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 2023-10-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CCF Intermediate Holdings LLC
State: PA

Complaint narrative:
Beginning in 2016, and every year since Speedy Cash lending has tried to get me to pay for a payday loan that I did not take out, payday loans are illegal in the State of Pennsylvania. Today the total of what I owe is currently {$21000.00}. This is money that I did not borrow I have scanned all of their documents so that it has dates and amounts that I owe along with their court costs and fees

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: Experian Information Solutions Inc.
State: NJ

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-10-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, We were extremely dissatisfied with one particular merchant 's services and felt like the card charge was not fair. With spoke to Capital One on XX/XX/XXXX and twice on XX/XX/XXXX and submitted the needed 19 page document several times by fax. We spoke again to supervisor XXXX XXXX XXXX XXXX  XX/XX/XXXX who informed us that the case was closed, because " there was no enough information '' by XX/XX/XXXX- a letter that was not received by us. The supervisor mentioned that the reason the 19 page form was not accepted could have been due to electronic vs hand written signature. 
We called Capital One again to follow up on XX/XX/XXXX and the dispute team responded " There is no rights for us to continuing the dispute with the grounds submitted '' - XXXX XXXX XXXX XXXX  XX/XX/XXXX, no letters ( by email or by paper ) were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I am supposed to receive an interest rate reduction when I sign up for autopay. 

I signed up for autopsy on XX/XX/XXXX. My application hasnt been processed yet. 

I reached out to check the status in XXXX and was told it wasnt processed yet. When I looked on my account it said that the first auto payment was scheduled for XX/XX/28. 

I checked back and now it says the first auto payment is slated for XX/XX/28. I reached out again and havent received a response. 

In the interim, they have been charging me the higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX ( XXXX and XXXX ) and XXXX ( Experion ) I temporarily " lifted '' or " thawed '' my credit freezes. The freeze was to go into effect just for today, XX/XX/XXXX so I could apply for a new cable/internet service. I received notifications this had been done. When my credit was pulled by XXXX XXXX today, I was informed my credit was frozen and had to cancel my sign-up. I went online and verified that all the accounts had temporary lifts of the freeze. 
I suspect, but can not verify, that Experion was the problem. This is because it took me hours to remove the freeze with them and minutes with XXXX and XXXX. I recognize it could be the others or even XXXX that has the issue.

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 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My USAA online bank account was accessed unauthorized and a fraudulent external bank account, ending in XXXX, was added and verified to my account without my knowledge or authorization on XX/XX/XXXX. Two transfers of {$5000.00} were made, one into my checking and one into my savings on XX/XX/XXXX and XX/XX/XXXX. On the same days, XX/XX/XXXX and XX/XX/XXXX, XXXX transfers were made out of my checking and savings, of {$4900.00} and {$4900.00} respectively into an account ending in XXXX. I did not receive a notification that this activity was going on. The initial {$5000.00} transfers into my accounts were made from accounts that I do not use often and did not have the funds to cover the transfers. One {$5000.00} transfer was into a savings account that I only transfer small amounts, less than {$50.00}, every month. I am very disappointed with USAA for not seeing that a large transfer into and out of my account that I don't actively use was made all in one day. That should have been an automatic flag but no response from USAA. They had the nerve to say there was no fraudulent activity and the transfers were my responsibility. I had to call to get this information about my account because USAA had not sent any correspondence or made any calls to me. I have been calling everyday to tell them what they should already know that my account had fraudulent activity. USAA reopened my case and I am waiting again to see what they will do to recover my money. I put a fraud alert on my credit file and submitted a claim to identitytheft.gov as well. I don't know what else to do. please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is regarding my Amazon Prime Chase Visa. I have been using it and making regular payment and I am in good standing. When making normal purchases they locked my card without warning. When I went to the XXXX branch to close out my accounts they stated that it was an authorization issue since the phone numbers didn't match. They did contact my wife and she was able to verify the email in the customer settings and my new phone number. The feature to update my phone information is locked. I sent a secure message through the website and they forwarded my issue to the fraud department. They gave me a number to call. I tried calling the number but their phone system does not recognize the last XXXX digits of my credit card. Through another secure message I relayed this message to credit card services and still waiting for a response. 
I had recently switched providers but could not port my new phone number. I gave them my new phone number to contact me, and they have not done so. They did not lock the account due to any suspicious activity but only verify information which I will happily give them if I had a way to contact them. This is a very big bank which deals in a way that's very automated and impersonal and I am concerned that if nothing is done, I will just fall through the cracks so to speak and this will never get resolved. 
I had sent an email to the CEO of XXXX XXXX XXXX  and filed a complaint with the XXXX XXXX XXXX

Company response to consumer: Closed with explanation