vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, 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: MO

Complaint narrative:
Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXXXXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX  ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX XXXX ( XXXX ) 13 ) XXXX ( XXXX ) 14 ) 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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I just received an alert showing a hard inquiry from Capital One that I do not recognize or have authorise. Please correct. 

Creditor Name : Capital One Inquiry Date : XX/XX/2018 Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. Failure to positively verify these accounts will eventually hurt my ability to obtain credit as such I am now formally asking that inquiry be removed immediately. 

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I couldnt get any of my credit reports for some unknown condition

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXXXXXX XXXX, {$350.00} 3 )  XXXX XXXXXXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Around XX/XX/2018, I ordered two items from XXXX 's using my XXXX 's credit card. I rarely use that card and had forgotten I had ordered anything from them. I had received the items, but since it was nearing the beginning of the school year, and I XXXX, I often buy clothes for school in XX/XX/XXXX, and I lose track of where they come from. I never received any kind of billing notice - either through my email or the postal service. Today ( XX/XX/2018 ), I saw a notice online of a change in my credit rating due to the non-payment of the XXXX 's card. When I called XXXX 's ( I had originally thought this was a fraud incident ), they informed me that the original {$110.00} bill was now {$180.00} due to late fees. This had happened to me several years ago, but for some XXXX reason, I opened another line of credit with them a couple years later. XXXX 's insisted I had been sent notice of the bills, but I never have. When I was talking to one of the associates early in the process of trying to resolve the issue, I was asked if I wanted to establish a verbal password in case someone ever tried to call and pass him/herself off as me. I agreed. the associate said I would get a notice on that in my email. She made sure she had my email address correct. That email never came. That was 6 1/2 hours ago.

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I reviewed my credit report, and noticed charges that were not mine. I was told to file a police report. After jumping through all of the hoops to do that, which we followed exactly, the unauthorized accounts were said to not have been removed. I FILED A POLICE REPORT and showed it as proof of me having this terrible issue, and so many accounts are still reporting negatively and ruining my life. Ive reached back out to fix the issue, and not having any luck. This is literally ripping me apart, and i dont know what else 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 non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXX XXXX, {$350.00} 3 ) XXXX XXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following accounts are not mines and according to the FCRA law they should be removed. I never once was provided with any physical verification of these accounts. I'm asking to be provided with physical documentation or as it is written via the FCRA law, remove and/or block from my report. False information is hindering me from buying a house. No credit agency shall report information without providing physical documentation. Please remove/ block the following accounts from my report.. 
1 ) XXXX XXXX, {$1200.00} 2 ) XXXX XXXX XXXX, {$350.00} 3 ) XXXX XXXX XXXX, {$130.00} 4 ) XXXX XXXX XXXX, {$750.00}

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 non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Re : Bluebird account ending in XXXX I had an American Express Bluebird account to provide my minor child with a debit card she could use in case of emergencies. 

In XXXX of this year, my regular bank account experienced fraud and a payment to Bluebird was returned. Bluebird immediately closed my account. I really didnt mind because the account was only to fund my daughters card, but I am having the worst time getting the small balances refunded. The Bluebird phone representatives are poorly trained and everyone states something different.

The most recent person I spoke with ( XXXX, Employee # XXXX ) stated that I had to write American express to receive the refund for my daughters sub-account ( XXXX XXXX ). This is after I was already able to receive a refund for my account by making a phone call. After making several unfruitful calls to American Express for less than {$30.00}, it seemed time to escalate this. 

In addition, I received a check from American Express for {$4.00}. However, when I deposited it, it was dishonored by American Express, incurring a {$5.00} fee for a returned deposit. 

All I want to is recoup the XXXX + {$5.00}, plus the approximately {$25.00} in my daughter 's account and be done with American Express. Geez.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I reviewed my credit report, and noticed charges that were not mine. I was told to file a police report. After jumping through all of the hoops to do that, which we followed exactly, the unauthorized accounts were said to not have been removed. I FILED A POLICE REPORT and showed it as proof of me having this terrible issue, and so many accounts are still reporting negatively and ruining my life. Ive reached back out to fix the issue, and not having any luck. This is literally ripping me apart, and i dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: ERC
State: MI

Complaint narrative:
I reviewed my credit report, and noticed charges that were not mine. I was told to file a police report. After jumping through all of the hoops to do that, which we followed exactly, the unauthorized accounts were said to not have been removed. I FILED A POLICE REPORT and showed it as proof of me having this terrible issue, and so many accounts are still reporting negatively and ruining my life. Ive reached back out to fix the issue, and not having any luck. This is literally ripping me apart, and i dont know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed an Identity Theft Report with The Federal Trade Commission in XX/XX/2017. Equifax has a copy of My Report and has since not helped me with fraudulent accounts such as XXXX XXXX and XXXX XXXX XXXX ( XXXX XXXX ). 

XXXX XXXX is allegedly a loan for Home Improvement. Ive never owned a house. 

XXXX XXXX XXXX has refused to talk to me after calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
XXXX XXXX has reported to my XXXX credit report that I was over 30 days late on a car payment I was not late I filed a claim for lemon law for that car and XXXX bought the car back because of the problems with the car. The offer was made to buy the car back on XX/XX/2008 I turned the car into XXXX I have no idea why it took them past the 30 days to pay off the the car

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
started a dispute with Equifax on XX/XX/2018. Report was finished on XX/XX/2018. Dispute Confirmation number is XXXX. I could not access the report by email or online. Equifax could not mail to my current address at XXXX XXXX XXXX XXXX XXXX, Texas XXXX. So Equifax sent to my old address which is XXXX XXXX XXXX XXXX Texas XXXX. My mail is forwarded. I still have not received the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have had a fraud alert on my file for over 10 years and somehow creditors pull my file without my consent. I've contacted the creditors and asked that they remove these inquiries as they aren't factual request made by me. I've called the credit bureau on several times demanding removal as this violates the FCRA. The FCRA clearly states that the only permissible purpose for pulling someone's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order and the following inquiries DO NOT FIT ANY SCENARIO LISTED ABOVE. 

XXXX XXXXXXXX & - XX/XX/XXXX ; XX/XX/XXXXl XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX-XXXX XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXX XXXXXXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXXXXXX XXXX-XX/XX/XXXX XXXX=XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX=XX/XX/XXXX XXXX XXXX=XX/XX/XXXX XXXX XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit card or prepaid 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I was notified of fraudulent charges on my HSBC credit card via text message on the night of XX/XX/18. This notification was due to the charges exceeding my credit limit of {$5500.00} for the card. I immediately declared these charges as fraud via text message response to freeze my credit card. After reviewing my credit card statement online, it showed 12 fraudulent charges from XX/XX/18-XX/XX/18, including a {$4700.00} charge at a furniture store. These transactions totaled to {$5200.00} worth of fraudulent charges added to my balance. I subsequently called the HSBC 's fraud hotline, but was unable to get in contact with a customer support representative. I later received a voicemail from the a representative from HSBC 's fraud team on XX/XX/18. But when I attempted to reach that number, I was still unable to get in touch with a representative to help me with the issue. On XX/XX/18, HSBC charged the outstanding balance of the credit card, which includes all the fraudulent transactions charges, directly from my XXXX 's checking account without notice. I continued to contact HSBC fraud support multiple times, and was finally able to reach a customer representative to file a fraud claim. After receiving the fraud claim application by mail on XX/XX/18, I received a fraud claim denial on XX/XX/18 before I was even able to submit the fraud claim to HSBC. Following this, I filed a police report on XX/XX/18 for grand larceny, and sent both the fraud claims and police report to HSBC 's fraud investigation team after I received the physical police report on XX/XX/18. Since then, I have routinely followed-up with my case investigator from HSBC, and he is unable to provide any updates to their investigation, or resolution for my charges. On XX/XX/18, I received a check from HSBC for  {$240.00}, which still leaves {$4900.00} of the {$5200.00} to be refund to me. On XX/XX/18, I contacted the police station to follow-up on the status of the police investigation, and I was told that the case had been closed because they were unable to find security footage from the furniture store, and tracking of the shipment address led to a fake address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: MD

Complaint narrative:
On XX/XX/2018 a unauthorized charge on my debit card of XXXX for XXXX   was made. 
This charge was not made or initiated by me in any way. 
On XX/XX/2018 I called my bank BB & T to immediately let them know this charge was unauthorized it wasnt me. I was told to wait until the charge stop pending and fully clears. 
Now I did not have {$410.00} in my account my account was overdrawn {$240.00} extra dollars. Which left my account in a negative {$160.00} due to me enrolling in overdraft protection. 
Now in that process waiting for the transactions to clear so I can file a unauthorized dispute XX/XX/XXXX BB & T charged me XXXX in over draft fee which overdrawn the account XXXX XX/XX/XXXX I filed a dispute with my bank for a unauthorized charge to my card of {$410.00} via online system XX/XX/XXXX I was charged another {$36.00} in over draft fees XX/XX/XXXX I was charged yet again another {$36.00} dollars in over draft fees On XX/XX/XXXX I called the bank to see what was going on with my dispute and why I havent recieved any credit to my account or my over draft fees return. 
I was told by the bank representative that the dispute was denied. I responded how I did not make the purchase I did not initiate it it was unauthorized. I then got a answer of them telling me its nothing they can do. And it will be a client lost I then contacted CEO branch of BB & T and they are further investigating Keep in mind my account is still over drawn at XXXX at this time I still have yet to have my problem solve or credit or refund on theover drafts fees I have absolutely no money to my name and a Want this resolved I shouldnt have to add money to my account to use it. 
XXXX XXXX cash stole my debit card information and initiated a {$410.00} transaction with no consent

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 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX They show on my credit report that my account was closed on XX/XX/2018 and was included in a chapter XXXX bankruptcy. But, they have the account type listed as " Open Account ''. That is inaccurate. It has resulted in points coming off my credit score that should not have. I have disputed it unsuccessfully with both TransUnion and XXXX. They have been emailed by my attorney. At this point what they are doing is deliberate and malicious. I want the account type to be corrected and show that it is closed or for the account to be deleted from my report. Can they not be fined for deliberate malicious harassment?

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 2018-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a CAPITAL ONE customer for a few years and during that time, I have enjoyed my experience with CAPITAL ONE greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have three late payments on the above referenced account that date back to XX/XX/2016. Since that time, I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the past couple of years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was inundated with taking care of aging family. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE is willing to work with me on erasing this mark from my credit reports. This would be both of my credit cards that I have with you. 

I have been a very happy customer in the past and hope to continue a long relationship with CAPITAL ONE. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. CAPITAL ONE has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why CAPITAL ONE is heads above the rest. 

The law, most importantly the Fair Credit Reporting Act, states that you don't have to report everything regarding my account but what you do report should be accurate. I am working to better myself and want to purchase a house in the near future and this would be a great opportunity, a show of goodwill, to help me with this matter. I look forward to your reply.

Company response to consumer: Closed with explanation