vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Chime Financial Inc
State: NV

Complaint narrative:
My chime credit builder card was used without my permission for purchases a auto premium purchase on XXXX XXXX for XXXX XXXX purchase on XXXX XXXX for XXXX atm withdrawal on XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called a told them my credid card was used without my knowledge and i filled complaint on XXXX XXXX when i realized my card was gone i checked my acc and found it was money taking on same day i filed the dispute the company sent me email saying because of regulation E i dont get provisional credit and then three hours later I get email saying they finished there investigation and found it was not unauthorized purchases but I told them that the card can be used without a pin if you use it as credit how can they be done with the investigation the same day i file it i dont believed they did a far investigation on my case

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX currently have a XXXX account and unauthorized inquiries appearing on my credit report. 

Account XXXX XXXX XXXX XXXX {$160.00} Inquiries XXXX. XXXX vall Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry 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 2023-09-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I XXXX XXXX currently have a XXXX account and unauthorized inquiries appearing on my credit report. 

Account XXXX XXXX XXXX XXXX {$160.00} Inquiries XXXX. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grain Technology, Inc.
State: FL

Complaint narrative:
I was sent this from grain technology stating they are not a debt collector but a first party servicer mean while they are a third Party server -which are under FDCPA regulations and is license for it .. which is a debt collector and in fact send me a bill stating a owe a past due amount and refusing to verify the debt they claim Owe to them .... I sent a debt validation letter including cease and desist order.. to advised them to show where I signed and agree with these terms, the amount the sign agreement they are refusing to previously I was getting emailing stating to verify my identity and needed my social from them. 


This is what they sent me by email not writing At the outset, it is important to note that Grain is not a Debt Collector but rather the first-party servicer for creditor partners. By definition, creditors and first-party servicers are excluded from the debt validation requirements because they are not debt collectors under The Fair Debt Collection Practices Act ( FDCPA ) .As such, its important to note that under the FDCPA, debt validation is not required of a first-party servicer. 

To open an account through Grain, a user must first acknowledge and agree with the Grain Terms of Service, Partner Credit Agreement, and Account Opening Disclosure. After that, the user can refer to their Account Opening Disclosures and Credit Agreement at any time on the Grain Application or refer to the copies sent to the email address the account holder used to sign-up to Grain. 
During the life of the customers credit account, that account is serviced by Grain, including the provision of monthly statements and, through Grains technology, the payment of monthly minimum fees to the associated creditor partner. If the user misses a payment, they will receive notices via the Grain application and/or the email used at sign-up. In doing so, Grain is not a Debt Collector as defined under the FDCPA but rather a first-party servicer. 

If a customer seeks to report that an account was opened without their consent via identity theft or otherwise, a case is opened with Grains compliance department, and an investigation is conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: CL Holdings LLC
State: VA

Complaint narrative:
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I had recently mistakenly deposited an erroneous check in my account on XX/XX/2023. 
I had created a new account and had attempted to move the money in an effort to not co-mingle or spend the funds as a legal precaution. XXXX were able to go into the account and XXXX were on hold.The same day I called USAA to inform them I suspected the check was fraudulent and advise them to look into it. This was reported to the fraud department of USAA. 

I gave additional information to include the addresses names and the like that were given me to assist in the investigation. 
On XX/XX/2023 I received a call from USAA that my accounts were locked due to a negative balance on my way home from work. I was literally running out of gas attempting to get home to my daughter. All of my accounts are locked because they are under review due to a negative balance of - {$2500.00}. This {$2500.00} resides in another account and is inaccessible to anyone at this time. I am unable to use my debit card as well. No one at USAA can do anything about it. Members as a whole are unable to talk to managers or supervisors due to something? Additionally there are no contingencies available for such situations such as expediting, debiting another owned account by request, etc.. The only option being an additional deposit which would require access to another bank account since they would be external sources I had since switch the auto overdraft to take from the account where the money resides in the hopes that something can be done. 

I am now in a scenario where I can not access any funds, my paycheck has gone into the bank before I knew what had happened, and I am being punished for being a victim of a work online scam all while attempting to assist the authorities in catching the culprit. 

I am left with no way to access my money, very little gas, and a child. All while the Member resolution team is not allowing members to speak with any supervisors or managers as a defacto unwritten policy as the money sits in the bank ready to be transferred to cover the defrauded account. 

This bank is supposed to be for veterans, active, and reserve military. How in the world can you treat those who would lay down their lives for their countries in such an extremely inappropriate fashion? 

Imagine if this happened abroad?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have my paid off receipt from XXXX saying that I paid off my {$43.00} balance with XXXX. XXXX is now reporting on XX/XX/2023 that my last payment to them was in XX/XX/2023. That is an accurate because again I have that receipt stating that I have paid off all my balance with XXXX, and they are going to report the positive payoff balance to all credit bureaus, which they failed to uphold their own words thus reporting negative balance to my credit at the reading of the receipt. All negative information report it to my credit bureau should be removed it once.

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 2023-09-15 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: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 2023-09-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: MD

Complaint narrative:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Over 30 days ago, I mailed off some consumer law letters via certified mail to all three credit bureaus. Transunion, XXXX and XXXX. There is only one address that should be showing up. There are inquiries that I didnt authorize that are on there and when I called Transunion , I was told that I had to get an authorization letter from the company AND myself and mail it in and list the inquiries and send both to them. How can I get an authorization letter for an account I dont have and didnt apply for? I also dont want my late payments section showing on my credit report. By law, thats supposed be something thats just between my creditor and myself!

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 2023-09-15 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: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft. I'd like to add that my name has never been XXXX XXXX XXXX, XXXX XXXX or XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
Region bank in XXXX  XXXX mo XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX or whoever his name a bald head brother and a sister and a XXXX lady was there the last two days the XXXX refused to reopen my political committee XXXX account today I been turned these papers in and both XXXX have lied to him and he have acted like stuff was literally funny today and it was I'm opposing slave government and mob government in a special charter I'm not given XXXX XXXX XXXX, XXXX university, XXXX XXXX are XXXX XXXX are XXXX university XXXX XXXX nor XXXX XXXX period nor XXXX  XXXX  or XXXX XXXX. I'm against these people about reparations now all of a sudden Missouri is a free city state. The guy and the XXXX have been lying today on phone they have been trying to capitalize off me in the state I'm against XXXX XXXX her and XXXX stole a vehicle that was in XXXX XXXX name that I got through XXXX XXXX XXXX auto on page police report filed In XXXX Missouri and I have not disrespected you in last complaint I downloaded no cuss word it. Although this banker had me hot a case is being filed on XXXX XXXX and XXXX. Just like someone keeps burning my name up on cases in different government crimes I didn't do and they keep betraying over corporate crime bank crimes and marketing company crime all under slavery. This bank know well he is a liar period I'm against XXXX XXXX XXXX I'm not protesting for no union about nothing they need be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I have and apple credit card, and for the past few months when i have used any of my apple devices to purchase a 1 game, they would double charge me. I have called in several times and they claim it was group billing and I made the charges. I advised them that I check my purchases every day and document each purchase but they claim thats how their system works. I decided to start using my other devices that are not apple and make my game purchases that way. I do not ever get double charged. On XXXX i checked my apple credit card balance, as i usually do and it stated that my balance was XXXX, including 3 game purchases made on my apple device on XX/XX/. I have cash back on my apple credit card and i was trying to use that amount to purchase 1 game that cost XXXX, and then i got a notification that apple charged me XXXX. Before i called apple, i added up all my charges including the balance from my last credit card statement and they all add up to XXXX. I called apple on XXXX and advised them once again, that i made 1 purchase and i was charged XXXX, when i was trying to use my cash advance. They stated that its group billing from the previous days charges, and i explained that, my card shows that amount already deducted. The proceeded to tell me that I needed to remove the game because the game is the issue, when i can use another device thats not apple and i dont double billing issues. I advised that they need to credit me back the double charge and they put in a request, well the request was denied. In the past when they were double billing me, i let it go, and in the past i ended up paying an extra XXXX that i didnt owe but i paid it. This me I am no letting the issue go, i want my refund of XXXX cents that apple owes me. Currently, I will either buy an apple gift card or only use apple for store purchases/bills because thats the only time i dont get double billed, but if i am purchasing an online game using an apple device, i get double billed. I have started making screenshots of my apple balance before i make any apple purchases because Im afraid they are going to continue to double bill me. I would like this addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: CA

Complaint narrative:
The American Express gift cards are rarely accepted as payment from vendors. I receive {$25.00} gift cards after spending a certain amount via my American Express card. I attempted to use the card XX/XX/23 at XXXX grocery store in XXXX XXXX and I'm informed " Not authozised. '' I attempted payment via self-checkout and then contacted a clerk who attempted to use the card via her check-out system and " Not authorized '' occurred. This card doesn't work at my local XXXX station either. 

I contacted the number on the card and was informed I would need to have exactly {$25.00} worth of groceries for the transaction to work. My bill was {$31.00} at the grocery store. Its impossible at a self-check out to somehow pay {$6.00} on one card to use the American Express Gift Card . I've also tried to use the card to pay a much lower amount than required and it also didn't work. 

I've been given XXXX gift cards and none of these problems are an issue.

Company response to consumer: Closed with explanation