vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I want to submit a complaint in my personal credit report information that is questionable. I was never late on this account. It has been deferred because I'm still in school. Also, how can it be 90 late without first posting 30 or 60 days late? major error. Please verify all info is true, accurate, and correct incomplete name spelling, address of record, etc. 
XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00}

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
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 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 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. 16815-2 ( AN1 ) 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 2023-08-29 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: TX

Complaint narrative:
1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry XXXX XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The inquiry was not authorize please delete asap. 
8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap. 
10. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorize please delete asap.

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Purchased concert tickets from XXXX XXXX XXXX XXXX for an event in XXXX. XXXX XXXX XXXX ( Florida ) is refusing to release the tickets and requiring will call pickup. Which we live in PA, and this wasnt disclosed upfront. Capital One rejected dispute, claiming I authorized the purchase. But the dispute was specific to the fact that XXXX is refusing to refund or release the tickets, digitally. I have done everything from trying to contact the Artist, resolve with XXXX, and with Capital One. I will be out {$1100.00} Capital One has denied dispute under the umbrella that I have the ability to obtain services in Florida. But it was never disclosed that tickets must be picked up at Will Call. 

For this, the FTC has provided guidance and Capital One is a co-conspire under PART 435MAIL, INTERNET, OR TELEPHONE ORDER MERCHANDISE. And Capital One is not honoring the Consumer Protection Act as outlined here https : //consumer.ftc.gov/articles/what-do-if-youre-billed-things-you-never-got-or-you-get-unordered-products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
So, I deposited my paycheck amount is XXXX $ on XX/XX/XXXX and I accidently lost the check, but on XX/XX/23 i got the letter said that the check that i lost was also paid at Bank of America on XX/XX/23 and now my account is closed due to negative balance. 
I did go to three of the banks that were involved which is XXXX ( my bank ), XXXX XXXX  ( check belonged to ), Bank of America ( Bank that been Cashed out the check ). These bank always keep saying the same thing which is not there's fault and they keep blaming each other. I do have the police report and now i dont know what to do.

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 2023-08-29 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: LEXISNEXIS
State: CA

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
On XXXX XXXX I was admitted into the hospital for an entire month due to previously diagnosed XXXX complications and stayed for 4 weeks. There were several transactions made during this time some I did not dispute. I alerted the bank of these transactions in both accounts on 2 different occasions and a dispute was filed. My police report was sent via email and that was not considered. I received a letter stating that they are reversing the dispute credits because I have previously dealt with the merchant. I never said that I did not deal with them at that time I did not because I was very ill and hospitalized. 
They have been reversing the transactions every month since XXXX. The reasoning is not clear as there was no investigation because me an the officer went to two of the locations and they confirmed that I had not been there in the month of XXXX. When I contacted the Bank I was still in the hospital and the representative was bias when it comes to people of color. The representative kept calling me Mr. and I'm a woman with a deeper voice did verification twice To make sure it was me and asked me the same set of questions 3 times in a row to see if she would catch me in a lie and stating that its there policy to ask 3 times and I have personal experience from working at a bank so I know this is not true, she was basically telling me that I was not being forthcoming. I have been faced with this for along time with Key bank. The representatives insensitivity the fees, unwillingness to understand and lack of knowledge of the bank products itself and the rules that they are governed by. Also many don't seem to comprehend your Issues and will transfer you to the wrong dept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this 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 explanation
Consumer complaint received 2023-08-29 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: TX

Complaint narrative:
I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorize please delete asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CO

Complaint narrative:
To DISCOVER CARD in reference to your response from CFPB Hello, I would like to respond to some of these claim in your response : On XX/XX/, you spoke with a Discover representative regarding account activity. We note you shared intentions to buy gift cards for someone, the representative advised you of the possible scam, and you shared intention to use the entirety of your credit line along with questions involving frequency of verifying account activity. 
Response : I did purchase gift cards but there is no record of me stating that I would want to use the entirety of the credit line for this. In terms of the transactions with the other merchants, I have no idea what that is. There is no way that my balance of XXXX is accurate. I did purchase a few gift cards but in no way does it add up to that balance. I received the bank statements from you and it does not reflect. Also, the merchants that I am disputing are not related to these gift cards. 

On XX/XX/, you withdrew your fraud claims, taking financial responsibility for the transactions previously disputed as fraud. Notice of this action was sent to you and a copy of the letter has been enclosed. Subsequently the account was debited, reapplying the transactions to the account balance Response : Yes, this is accurate because I opened up an identity theft case and I was advised by a legal team to say that. However, I called a few months later and said that I wanted to reopen this investigation. Note, you already added all the correct provisional credit back into my account before I requested this case to be closed because you determined that it was fraudulent. After I knew that I was not going to be in any legal trouble and there was nothing that would happen : I wanted to reopen the case and I requested multiple times but you kept saying that I was now responsible for the transactions after you credited the account and determined it was fraud which is absurd and wrong. 

I did not authorize these transactions and I should not be responsible for this balance. I will continue to fight this and can provide you with whatever necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit report is still showing late payments on XXXXXXXX XXXX XXXX XXXX XXXX XXXX  despite the multiple letters sent. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Opportunity Financial, LLC
State: MS

Complaint narrative:
To Whom It May Concern : This letter is to inform you that the above referenced account ( XXXX being reporting on my consumer file ( s ) is hereby disputed for lack of completeness and/or accuracy. Be advised that I recently disputed this account with the three major credit-reporting bureaus, and the information was reported as verified and accurate. I am now disputing those findings directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623. Please conduct an investigation into the following inconsistencies : ( Delete this and insert detailed info about what is being disputed here Read Requirements of the consumer in a FCRA 623 dispute. Writing See Attached is not advised unless your attachment is fully explained here and then you write see attached for further details. ) If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. Im also requesting that you send me an explanation of the methods used, and a description of the records reviewed to conduct your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 2023-08-29 00:00:00
Product: Prepaid card — General-purpose prepaid 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:
On XXXX I redeemed cashback I earned via XXXX for an American Express XXXX XXXX XXXX in the amount of {$4.00}. At first, I tried to use it at XXXX and it didn't work. So I decided to add it to my XXXXXXXX XXXX  and use the XXXX XXXX  method of payment at a local store and that didn't work. Today, on XXXX I tried to reload my XXXX account with this gift card and it didn't work. I also tried to add it to XXXX, but that wasn't allowed. This ordeal has wasted a significant amount of my time and I read on XXXX how lots of other users are having this same issue of trying to use American Express gift/reward cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION
State: MI

Complaint narrative:
I got an email from Xoom a XXXX money transfer service on XX/XX/XXXX XXXXXXXX XXXX, that there was XXXXXXXX XXXX transfer - ( Transaction # XXXX } made to XXXX to someone unknown to me. 2 minutes later I got another email that the transfer is complete. I checked the transaction history and found unauthorized transaction and called customer care immediately and reported. They did not stop the transaction even though the site says the transaction can be cancelled with 20 mins. I did not find cancellation button either as per the site. I raised a claim and they said they take 10 days for investigation. I also called my local XXXX XXXX XXXXXXXX and placed freeze on my account before the fund were withdrawn. 
Xoom kept trying to bill my XXXX XXXX XXXXXXXX account with XXXX $ multiple times as my bank kept rejecting it after 2 days. They also sent debt collection notice. Few days later they denied the claim saying my IP address was used on the transaction. 
I never authorized the transaction and I dont know the recipient. I also never got any communication when the recipient was added to my account. I did not get OTP for adding the new recipient. There should be more security measures in place to aviod scam or fraudulent transactions, Cancellation or holding the transfer should be in place incase of suspicious activity. I should not be responsible for this scam when I did everything I could to stop the fraudulent activity.

Company response to consumer: Closed with explanation