vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 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: NV

Complaint narrative:
I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of XXXX XXXX data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. 
According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the XXXX XXXX reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my 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 explanation
Consumer complaint received 2023-09-09 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: IL

Complaint narrative:
I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09 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: IL

Complaint narrative:
I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09 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: CarMax, Inc.
State: IL

Complaint narrative:
I recently pulled my credit report and saw multiple unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company XXXX XXXX XXXX XXXX As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX XXXX  ) of any sort. 

In regards to The company XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXXXXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my Written instructions TransUnion, XXXX, and XXXX have refused to remove this account after submitting an identity theft report from FTC. TransUnion, XXXX, and XXXX has not furnished any documents for account validation after multiple requests. 

Account number reflects inaccuracy across TransUnion, XXXX, and XXXX Date Opened reflects inaccuracy across TransUnion, XXXX, and XXXX XXXX XXXX reflects inaccuracy across TransUnion, XXXX, and XXXX XXXX XXXX reflects inaccuracy across TransUnion, XXXX, and XXXX Date Last Active reflects inaccuracy across TransUnion, XXXX, and XXXX Date of Last Payment reflects inaccuracy across TransUnion, XXXX, and 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 2023-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: HI

Complaint narrative:
I received a letter on XX/XX/XXXX with it dated XX/XX/XXXX stating I had an outstanding balance of {$2800.00}. I checked XXXX  as well as XXXX  to see if this balance exists and it doesn't under my name. Towards the bottom of the letter it states " this is communication from a debt collector and is an attempt to collect debt '' and right above that it states that by renewing this debt they still start a lawsuit against me which means this is a debt that was reported off and they are attempting to reage this debt, or this debt was never under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There were 4 unauthorized charges made earlier morning XX/XX/XXXX. The amount of the 4 unauthorized transactions are {$100.00} made a XXXX, than {$60.00} at XXXX, next {$90.00} and last {$62.00} at different XXXX gas stations. The transactions occurred in that order. I received notification of the first transaction at XXXX XXXX XXXX XXXX XXXXXXXX. All transactions were made within a hour. I received instant notification via text of the transactions and called the same night to report fraudulent activity. The Capital One applied credit to my card on XX/XX/XXXX. On XX/XX/XXXX and XXXX the company reapplied the fraudulent charges and is expecting repayment. Per company policy, there is {$0.00} liability for unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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:
Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b The specific accounts and inquiries I am referring to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : 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 explanation
Consumer complaint received 2023-09-09 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: FL

Complaint narrative:
This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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:
I contacted BoA several times via several forums, including cfpb to resolve the issue with XXXX. 

BoA now claims : " We requested, but didn't receive, information showing what you received is different than what you purchased '' Untrue : I sent very detailed letters on XX/XX/23, XX/XX/23, and XX/XX/23 via their message center portal and also via fax. 

They are very quick to close the claim - response received XX/XX/23, even though I was given until XX/XX/23 to respond. 

Again, XXXX cancelled my order ( proof attached ) and sent a letter that I need to get in touch with BoA ( proof attached ) to have the refund appear on my account. BoA keep refusing that.

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 2023-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XX/XX/2023 an ACH Transfer utilizing Western Union and was paid for and attempted to be sent to me in the amount of {$7500.00}. The problem was the sender utilized the routing number for wire transfer versus ACH, because Western Union told her the funds would be wired SAME DAY. 
On Tuesday, XX/XX/2023, I called to check the status because the monies had not shown available in my bank account. Upon checking, the routing number the monies was sent to was incorrect. XXXX XXXX  XXXX advised it was rejected and never deposited into my account. Western Union still attempted to tell me and the sender the monies was delivered to me. XXXX XXXX XXXX spoke to Western Union on several occasions advising the fund were rejected because the wrong routing number was used. And asked the funds be resubmitted using the right details. Western Union confirmed they were not aware I had a business account which should have not even been allowed to be sent. 
Ive spoken to Western Union for countless hours, so has the sender and they refuse to release the monies to me or the sender. Claiming they do not have the money XXXX  XXXX XXXX does. However I have proof the money never deposited. This is FRAUD, Ive sent bank statements, chat transcripts and recorded calls showing the money was never deposited. 
This money was for emergency medical funds. They are not doing their due diligence to find the funds. {$7500.00} is a large amount to attempt to deceive consumers about next step is filing a police report. XXXX XXXX XXXX has provided proof the funds were rejected. I will stop at nothing to ensure the monies is rightfully returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 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: VA

Complaint narrative:
I received two inquires from XXXX XXXX XXXX without my permission and i would like it deleted immediately. attached is my FTC report and a letter from credit one explaining there need to remove these inquires thats impacting 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 2023-09-09 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: NV

Complaint narrative:
This letter is regarding the account listed above, which you clam is a collection that i have with your company.I am requesting validation, made pursuant to the fair credit act section 605a 15 U.S. Code 1681C-1 Section 604 15 U.S. code 1681 b Section 605 b 15 u.s. code 1681 c-2 These are the accounts 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 explanation
Consumer complaint received 2023-09-09 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: IL

Complaint narrative:
I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-09 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:
I recently pulled my credit report and reviewed several unauthorized consumer inquiries on my report. The unauthorized inquiries are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 15 U.S.C. 1681 ( b ) states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681 ( e ) of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681 ( b-f ) I have never authorized any transactions with the following companies listed below As well as I do not have an account as defined under 15 USC 1693 ( a ) 2 with any of the below listed companies of any sort. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-09 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In all began, XX/XX/2022. I am not sure of the specific date but you will notice patterns of transactions on two of my credit cards. The transactions came in crazy for about a month. Since then I have been trying to file disputes but I found myself paying interest on transactions that werent mine. For nearly two years I have had to deal with there fraudulent charges. Accumulating to over XXXX. I have had to buy most of it down. The Apple company does a poor job in verifying purchases. As soon as I noticed these charges I requested a new card and apple had sent suspicious activity warning to my email but never did they permanently remove the charges from my account. The discover credit charges began the same week. I noticed immediately too and I have had to speak to multiple people and had to file multiple disputes only to end up in the same spot. Two credit cards having a mass spending is no coincidence. I noticed that not only have I lost the physical card but both these cards are the only two out of the 7 I had that was connected to my phone. I went as far as contacting the police and explaining my situation. It turns out the mall I had visited on my birthday XXXX XXXX there had been reports of stolen information when charging your phone at a port. I tried explaining this to my credit card companys but they cant asking for information I did not have. I figured out the problem but they couldnt grant me the dispute. So please, now I know not to using a phone charging station in a public setting. Ive been severely suffering and I dont want to sue these two companies for the impact of emotional distress Ive been experiencing for the past two years. I have been trying. I am a XXXX  XXXX  just trying to focus on school but I was faced with at a XXXX  age to deal with serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Conn's, Inc.
State: AZ

Complaint narrative:
submitting a complaint with the CFPB To Investigate outstanding accounts with conns and past accts. I have added the account information below to the Conn installment loan I am inquiring about *CONN APPLIANCES INC account # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I tried to open a XXXX Checking account online with Capital One bank. I was asked to call XXXX to continue the application. I was told by the representative that my profile is restricted from the year XXXX  that I am not allowed to open any account with Capital One. To my best knowledge, I have never had any involuntary closure of checking/saving account by Capital one.

Company response to consumer: Closed with explanation