vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX 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 2023-09-16 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: Synovus Bank
State: VT

Complaint narrative:
I put down a {$200.00} deposit to get this card and then close did attitude XXXX dollar balance, however, they decided not to close it and they kept it open and now it is {$13.00} over and theyve been charging me that for years they need to close this account because my security deposit more than pays the balance and remove it from my credit report I demand it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OR

Complaint narrative:
In XXXX of XXXX, I was traveling and lost my wallet- including my KeyBank debit card, ID with all of my personal information on it, and other key documents with information like home/billing/mailing address, email, etc. 
Shortly after, I noticed fraudulent transactions. I disputed these transactions with KeyBank as soon as I noticed them, and specified in no uncertain terms that they should only contact me via EMAIL OR PHONE, or mail any letters to the local branch, because KeyBank has a history of lying about sending me letters regarding my account/claims, and I wanted to be sure this didn't happen again. The representative agreed that my request for email/phone communication was noted and would be fully honored. ( This is important later, because KeyBank has failed to EVER honor this, including regarding this dispute. ) The charges I disputed are as follows : XX/XX/XXXX - XXXX XXXX | XXXX Fl XXXX - {$38.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX Fl XXXX - {$310.00} These charges were not made by me, were not made with my consent or knowledge, and are fraudulent, unauthorized purchases on my account that I should not be held responsible for. 
I informed KeyBank of this as soon as I became aware of these charges. 

On XX/XX/XXXX I was issued provisional credits for these charges. This has been the only action I've seen from KeyBank, and I have never once been contacted regarding these disputes, the dispute process, or any dispute findings/closure/reversal of credit. 

However, much to my dismay and surprise, on XX/XX/XXXX, KeyBank reversed the provisional credits- without any contact whatsoever, nor any justification or information. 

KeyBank also mishandled by outgoing withdrawal of a rent payment as a result of this, and has now put me at risk of losing my home. 

On XX/XX/XXXX, I inititated my rent payment using my KeyBank account. The money withdrew from my account, and I received an email notifying me of this transaction. 
On XX/XX/XXXX they incorrectly closed my claim and reversed the provisional credit, leaving my account overdrafted. 
They then chose to RETURN MY XX/XX/XXXX PAYMENT for " Insufficient Funds '' and place A HOLD ON MY ACCOUNT until XX/XX/XXXX for {$1900.00} - the amount of my rent payment, that occurred BEFORE they EVER reversed the provisional credit. 
This is a blatant mishandling of my account, MY MONEY, and has put me in jeopardy with my landlord and at risk of LOSING MY HOME. 
I put the rent transaction in XXXX. DAYS LATER they reversed the provisional credit, this should NOT impact MY RENT PAYMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 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: TX

Complaint narrative:
I was trying to purchase a home and noticed damages on my report which is a deformation to my character according to the 15 U.S.C 1681 there should not be any damages on my report. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent. Sent letters XX/XX/2023 and XX/XX/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 2023-09-16 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: Self Financial Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I noticed some unauthorize charges on my Self Finacial Credit card app from XXXX and XXXX XXXX. I contacted Self financial and informed them that I did not authorize these charges and that my credit card must have been breached. I was informed that my credit card would be cancelled, and I was given an email to reorder a new card. I never reordered a new card because I wanted to have the issue resolved before I continue to use their services. Initially after an investigation I was informed that the charges would be removed. I then received a letter in the mail that the charges would be reinstated because self has documentation that I authorized the charges and if I would like the documentation, I could call the number on the letter and receive a copy of the proof. I contacted Self on 2 occasions requesting this information. The only thing I receivds was a copy of the first letter ( I have attached ) 5 times with no proof of authorization. I am requesting to have this investigated. 

XX/XX/XXXX XXXX XXXX {$59.00} XX/XX/XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX XXXX  {$21.00} XX/XX/XXXX XXXX XXXX  {$37.00} XX/XX/XXXXXXXX XXXX XXXX {$39.00} XX/XX/XXXX XXXX XXXX {$36.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: SC

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 name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX 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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-09-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was trying to purchase a home and noticed damages on my report which is a deformation to my character according to the 15 U.S.C 1681 there should not be any damages on my report. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent. Sent letters XX/XX/2023 and XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: TX

Complaint narrative:
I was trying to purchase a home and noticed damages on my report which is a deformation to my character according to the 15 U.S.C 1681 there should not be any damages on my report. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent. Sent letters XX/XX/2023 and XX/XX/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 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Double D Finance dba Idaho Finance
State: ID

Complaint narrative:
Idaho finance is claiming there's a debt for a note loan on my credit report which is negatively impacting my credit score. The business closed its doors and is no longer available to speak to about this matter. If this was a shared debt between my now separated wife XXXX XXXX XXXX and myself and this institution then they need to be reporting against her credit also and attempting to get any and all payments organized with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: SC

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 2023-09-16 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: Westlake Services, LLC
State: AL

Complaint narrative:
Westlake XXXX is showing I have account with this company on credit report. I do not have account or have ever had loan with this company. I leased vehicle from American Car Center ( American Financial ) When I found out American Car Center was closing I returned vehicle to dealer the vehicle was leased from. American Car Center took possession of vehicle. Westlake XXXX is showing I have vehicle lease which is incorrect. I did not agree or sign any type of lease agreement with this company. vehicle was returned to original lease holder

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 2023-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I noticed on XX/XX/XXXX my PNC credit card expired last month on XX/XX/XXXX. I did not receive a new card so I called the company and they said they had closed my account. This is a bit misleading as I thought I was in good standing with PNC because I received a phone call in XX/XX/XXXX from PNC offering their services such as loans, checking accounts, etc .... Then I recall another phone call from PNC around the mid summer of XXXX just reaching out to me offering their other banking services. If they were going to close my account they should have informed me months prior with their phone calls so that I could plan accordingly and use their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: MD

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-09-16 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: MD

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2023-09-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
I was given a personal line of credit with CashNetUSA. I was short on funds and my car needed work so I took out {$300.00} to pay for it. I clicked on what I wanted to borrow and that was it. No other information was given. No payment schedule of what my payment would be no amount of payment was given and no date. XXXX info. The money loaded in my account and a few days later not even a full month I got notice to pay {$170.00}. I was like this can not be correct. I called and after being called a liar they would not help me, nothing could be done. The rate and payment amount should be given to the customer. They give nothing. I would be happy to show you exactly how this website works. Its such a scam. This company is praying on the unfortunate and they need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 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: AL

Complaint narrative:
XXXX XXXX is showing I have account with this company on credit report. I do not have account or have ever had loan with this company. I leased vehicle from XXXX XXXX XXXX ( XXXX XXXX ) When I found out XXXX XXXX XXXX was closing I returned vehicle to dealer the vehicle was leased from. XXXX XXXX XXXX took possession of vehicle. XXXX XXXX is showing I have vehicle lease which is incorrect. I did not agree or sign any type of lease agreement with this company. vehicle was returned to original lease holder

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 2023-09-16 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: VA

Complaint narrative:
On the night of XX/XX/XXXX, XXXX unused payments were made to my Capital One debit card account. I didnt purchased. 
XXXX is {$300.00} at XXXX and the other is {$410.00} at XXXX XXXX. Then my email saying they tried again to pay {$260.00} from XXXX but it was denied because my debit account didnt have enough money. The important thing is that someone has been continuously trying to make payments with XXXX XXXX and Capital One credit card for several months now. So I locked my credit card and deleted my XXXX XXXX. But I'm seriously worried that someone knows all my accounts. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
In requesting a balance transfer of {$4500.00} from my financial institution, XXXX ( XXXX XXXX XXXX ), I inadvertently chose CAPITAL ONE. The bank should have been XXXX XXXX. XXXX mailed the check to CAPITAL ONE which was cashed on XX/XX/2023. I attached a photocopy of the cashed check. After realizing my error, I have tirelessly attempted to reach someone at Capital One without success regarding the problem. I am hoping you are able to find a contact at Capital One in order to retrieve the {$4500.00}.

Company response to consumer: Closed with monetary relief